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Lee Pearlman discusses the seven most common dirty tricks that insurance companies use in personal injury claims. The first tactic is offering quick settlements, often for a fraction of the claim's worth, which can be significantly lower than what a person could receive with legal representation. These early settlements typically do not account for important factors such as necessary medical treatment, lost wages, or pain and suffering. Pearlman emphasizes that receiving proper legal counsel can substantially increase the settlement amount and ensure all aspects of the claim are considered.