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Mark Lockhart discusses insurance claims, detailing how to file them and work with an adjuster for optimal outcomes for vehicle or home claims. He emphasizes the process of contacting a claims adjuster, whether through an independent or direct agent. The adjuster's primary role is to facilitate a smooth claims process by verifying coverage and ensuring you receive prompt assistance, whether that involves getting your vehicle repaired, replaced, or issuing a check. Lockhart notes that insurance companies aim to expedite claims to avoid losing customers or incurring additional costs due to delays.