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Lee Pearlman discusses the seven common dirty tricks used by insurance companies in personal injury claims. The first tactic is quickly attempting to settle with victims for a low amount, often much less than their actual claim value. Studies indicate that settlements with representation can be up to four times higher than those reached directly with the insurance company. These early settlements typically do not consider important factors such as medical treatment, lost wages, or pain and suffering. Pearlman emphasizes the importance of understanding these tactics to avoid being shortchanged.