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In this tutorial, Mark Lockhart discusses how to file insurance claims and effectively work with an adjuster for optimal returns on vehicle and home claims. He explains that regardless of whether you use an independent or direct agent, the process begins by contacting a claims adjuster. Their primary role is to manage the claim smoothly, verify your coverage, and ensure you receive a quick resolution, whether that involves repairing or replacing your vehicle, or issuing a check. It's emphasized that a reputable company aims to minimize delays and retain customers, as extending the claims process can be more costly for them.