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Mark Lockhart discusses how to file insurance claims effectively. He explains that whether you use an independent or direct agent, you'll communicate with a claims adjuster, whose role is to facilitate the claims process. The adjuster's responsibilities include verifying your coverage and ensuring you receive a smooth experience while getting your vehicle or home repaired or replaced. A well-rated company aims to resolve claims quickly to avoid losing customers or incurring additional costs from delays. The ultimate goal is to expedite the process and get you the compensation you need as efficiently as possible.