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Mark Lockhart discusses how to file insurance claims and collaborate with adjusters for optimal results. He emphasizes that whether you contact an independent or direct agent, the process begins with a claims adjuster who is responsible for handling your claim efficiently. Their main objective is to verify your coverage, ensure you have the correct policy for your claim, and expedite the process to restore your vehicle or home, ultimately providing a check as quickly as possible. A well-rated company aims to minimize delays and retain customers, recognizing that it is costlier for them to lose business due to drawn-out claims processing.