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Mark Lockhart discusses how to file insurance claims effectively and work with adjusters to ensure optimal returns for vehicle or home claims. He explains that whether you're using an independent or direct agent, you'll be communicating with a claims adjuster responsible for managing your claim. Their primary goal is to facilitate a smooth process by verifying your coverage and expediting repairs or replacements. A well-rated insurance company aims to efficiently resolve claims, as delays or losing customers can be costly for them. Overall, the focus is on getting you the compensation you need as quickly as possible.