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In this tutorial, Lee Pearlman outlines seven common tactics insurance companies use in personal injury claims. One major tactic is quick settlements, where insurers offer low payouts to resolve claims swiftly. These initial offers often amount to only a fraction of what the injured party is entitled to, sometimes as low as 25% of the potential value. This tactic overlooks crucial factors such as medical costs, lost wages, and pain and suffering. Pearlman emphasizes the importance of having legal representation, as those with attorneys typically secure higher settlements compared to those who accept early offers.