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In this video tutorial, Mark Lockhart explains the process of filing insurance claims and working with adjusters. He emphasizes the simplicity of the process, whether you contact an independent or direct agent. When you file a claim, you reach a claims adjuster, whose role is to facilitate the process smoothly. The adjuster verifies your coverage and ensures you have the correct coverage for the claim, aiming to resolve your situation quickly by getting your vehicle fixed or replaced and providing compensation. Lockhart notes that reputable companies strive to avoid delays, as losing customers or prolonging claims is costlier for them.