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Mark Lockhart discusses how to effectively file insurance claims and collaborate with adjusters to ensure a satisfactory return for vehicle or home claims. He emphasizes that whether working with an independent or direct agent, the key contact is the claims adjuster, whose primary role is to streamline the claims process. They will verify coverage and expedite repairs or replacements. Lockhart notes that reputable insurance companies aim to handle claims efficiently, as delays or losing customers can be costly for them. The focus is on ensuring a smooth experience for the claimant.