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In this tutorial, Lee Pearlman discusses seven common tactics used by insurance companies during personal injury claims. The first tactic is the early settlement offer, which is often significantly lower than the actual claim value—studies suggest a difference of up to four hundred percent between settlements made quickly and those handled by a knowledgeable attorney. Early settlements typically do not account for necessary medical treatment, lost wages, pain and suffering, or other critical factors. Pearlman emphasizes that these strategies are designed to minimize the insurer's payout at the expense of the claimant's rights and compensation.