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Mark Lockhart discusses the process of filing insurance claims, emphasizing how to effectively work with a claims adjuster to ensure a satisfactory outcome for vehicle or home claims. He explains that whether contacting an independent agent or a direct line like Progressive or Allstate, you will reach a claims adjuster whose role is to manage your claim efficiently. Their responsibilities include verifying your coverage, ensuring it's appropriate for your claim, and facilitating a quick resolution, whether that means getting your vehicle repaired, replaced, or issuing a check. The adjuster's goal is to provide a smooth experience, as delays or losing customers can be costly for the insurance company.