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In this tutorial, Lee Pearlman discusses the seven common deceptive tactics used by insurance companies in personal injury claims. The first tactic involves quickly settling claims for a minimal amount, often referred to as "pennies on the dollar." Research indicates that those who settle without representation may receive significantly less—up to 400% less—than those who have legal assistance. Early settlements often fail to account for necessary medical treatment, lost wages, pain and suffering, and other relevant factors. The tutorial aims to raise awareness about these tactics to better equip individuals in handling their claims.