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Lee Pearlman discusses seven common dirty tricks insurance companies use in personal injury claims. The first tactic is offering a quick settlement, which often amounts to only a fraction of what the claim is worth—studies suggest this difference can be as much as 400%. Insurers aim to settle quickly when another party's policy is involved, but these early settlements typically overlook critical factors like medical expenses, lost wages, and pain and suffering. Pearlman emphasizes that having an attorney can significantly influence the settlement outcome compared to handling the claim independently.