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Mark Lockhart discusses how to navigate insurance claims, focusing on filing processes and working with adjusters. He emphasizes that whether using an independent or direct agent, you will be communicating with a claims adjuster. Their role is to facilitate your claim efficiently by verifying your coverage and ensuring you receive the appropriate compensation for vehicle or home repairs. Lockhart underscores that a reputable company prioritizes a smooth claims process to prevent further customer loss or delays, as both can be more costly for them than a timely resolution.