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In this tutorial, Lee Pearlman discusses the seven most common tactics insurance companies use in personal injury claims. The first tactic involves quick settlement offers, often significantly lower than what is fair, as they aim to settle for a fraction of the claim's worth. Studies indicate that settlements made without legal representation can lead to amounts that are 400% less than those secured by an attorney. These early settlements typically ignore critical aspects such as necessary medical treatment, lost wages, pain, and suffering, among other important factors. Pearlman emphasizes the importance of legal representation to ensure fair compensation.