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In this tutorial, Lee Pearlman discusses the seven most common dirty tricks employed by insurance companies during personal injury claims. The first trick is the quick settlement offer, which is typically a low amount, often significantly less than what a victim might receive if they have legal representation. Studies show this can differ by as much as 400%. These early settlements fail to account for necessary medical treatments, lost wages, pain and suffering, and other critical factors. Pearlman warns that quick offers are tactics to minimize payouts when the company knows coverage is available.