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In this tutorial, Lee Pearlman discusses seven common tactics that insurance companies use in personal injury claims. One primary method is settling quickly for a low amount, often only a fraction of what the claim is worth. Studies indicate that settlements can vary by as much as 400% between individuals who negotiate directly with insurers and those represented by attorneys. Early settlements typically do not account for important factors like medical treatment, lost wages, or pain and suffering, ultimately failing to cover the full extent of the victim's losses. The discussion highlights the importance of being aware of these tactics to ensure fair compensation.