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In this tutorial, Lee Pearlman discusses the seven most common tactics that insurance companies employ during personal injury claims. The first tactic involves insurance companies settling quickly for less than a fair amount, often just a fraction of the claim's true value. Research indicates that settlements made without legal representation can be significantly lower—up to 400% less—compared to those managed by an attorney who understands the case's worth. Early settlements typically exclude crucial factors such as medical treatment costs, lost wages, and pain and suffering, leading to inadequate compensation for the injured party.