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In this tutorial, Mark Lockhart explains the process of filing insurance claims for vehicles and homes. He emphasizes the importance of working with a claims adjuster, whether through an independent or direct agent. The claims adjuster's role is to facilitate a smooth claims process by verifying coverage and ensuring the claimant receives the appropriate resolution. Mark highlights that reputable companies prioritize quick service, aiming to repair or replace the vehicle and issue a payment promptly, as delays or losing a customer can lead to increased costs for the insurer.