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Lee Pearlman discusses the seven most common deceptive tactics used by insurance companies in personal injury claims. The first tactic is the quick settlement offer, which typically underestimates the true value of the claim, often settling for a fraction of what victims are owed. Research indicates that individuals who settle promptly without legal representation can receive significantly less—up to four hundred percent less—than those who are represented by an attorney. These early settlements often exclude important factors, such as necessary medical treatments, lost wages, and compensation for pain and suffering, leading to inadequate financial recovery for the injured party.