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Mark Lockhart discusses the process of filing insurance claims, emphasizing its simplicity. He explains that regardless of whether you use an independent or direct agent, you'll ultimately contact a claims adjuster. This adjuster's role is to manage your claim efficiently: verifying coverage, ensuring you have appropriate coverage for your needs, and facilitating repairs or payment for your vehicle or home as quickly as possible. Lockhart notes that reputable companies prioritize a smooth claims process to avoid losing customers or delaying claims, as both can be costly for them.