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Lee Pearlman discusses the seven common dirty tricks used by insurance companies in personal injury claims. The first trick is the quick settlement offer, where the company proposes a low settlement right after the incident. This initial offer is often a small fraction of the actual damages, which can be significantly undervalued—studies show a potential difference of up to 400% between individuals who settle quickly and those represented by an attorney. Early settlements typically ignore crucial factors like necessary medical treatment, lost wages, pain, and suffering. Pearlman emphasizes that being unaware of these tactics may disadvantage claimants in their negotiations.