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Mark Lockhart discusses how to file insurance claims, focusing on the process and working with an adjuster. He explains that when filing a claim, whether through an independent or direct agent, you will communicate with a claims adjuster. Their responsibility is to ensure a smooth claims process, verify coverage, and expedite the resolution so you can get your vehicle repaired or replaced quickly. A well-rated company aims to resolve claims efficiently to avoid losing customers or incurring higher costs due to delays. The overall goal is to facilitate a fast and satisfactory outcome for the claimant.