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Mark Lockhart discusses how to file insurance claims and work with adjusters for vehicle or home repairs. He explains that whether using an independent or direct agent, the process begins by contacting a claims adjuster. The adjuster's role is to ensure a smooth claims process by verifying coverage, facilitating repairs or replacements, and disbursing payments quickly. A well-rated insurance company aims to retain customers by processing claims efficiently, as delays or losing customers can be more costly for them. The overall goal is to provide timely support and resolution to policyholders.