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Lee Pearlman discusses the seven common tricks insurance companies use to undermine personal injury claims. The first tactic is to offer a quick settlement, which often comes at a fraction of the claim's true value—studies suggest it could be as low as 25% of what a properly represented claimant would receive. Quick settlements typically do not account for medical treatment, lost wages, pain, suffering, or other significant factors. This approach aims to minimize costs for the insurer while leaving claimants undercompensated. Pearlman emphasizes the importance of having legal representation to navigate these tactics effectively.