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In this tutorial, Lee Pearlman discusses the seven most common dirty tricks that insurance companies use in personal injury claims. The first trick involves insurers settling quickly with victims for significantly less than what their claims are worth, often just "pennies on the dollar." Studies indicate that those who consult an attorney can obtain settlements that are much higher—up to 400% more—than those who settle early without legal representation. Such early settlements typically do not account for future medical treatment, lost wages, or pain and suffering. Pearlman emphasizes the importance of being aware of these tactics to ensure fair compensation.