A kárszakértő ellenőrzi az árajánlatot.

Both a and az mean the. Hungarian chooses between them based on the sound that follows:

• a before a consonant sound
• az before a vowel sound

So:

• a kárszakértő because kárszakértő starts with k
• az árajánlatot because árajánlatot starts with á, a vowel

This is similar to how English uses a and an, but in Hungarian these forms are for the, not for a/an.

This is because Hungarian verbs have two main conjugation patterns:

• indefinite conjugation
• definite conjugation

Here, the object is az árajánlatot = the quote/estimate, which is a definite object, so the verb uses the definite form.

For the verb ellenőriz (to check):

• ellenőriz = he/she checks something indefinite, or just checks
• ellenőrzi = he/she checks it / checks the specific ...

So in this sentence, ellenőrzi is required because the speaker is checking a specific quote/estimate.

The -t marks the direct object in Hungarian. This is called the accusative case.

So:

• árajánlat = quote, estimate
• árajánlatot = quote/estimate as the thing being checked

In this sentence, the quote is what the expert checks, so it takes the accusative ending.

The accusative ending is basically -t, but Hungarian often adds a linking vowel before it to make pronunciation easier.

So:

• base noun: árajánlat
• accusative: árajánlatot

Hungarian does this quite often, especially when the word would be awkward to pronounce with only a final -t added.

You do not always have to predict this purely from logic at the beginner stage; it is something learners gradually get used to through exposure.

Kárszakértő is a compound word:

• kár = damage, loss, claim
• szakértő = expert

So kárszakértő is literally something like damage expert or claims expert. In natural English, depending on context, it could be translated as:

• claims adjuster
• damage assessor
• insurance claims expert

The exact English choice depends on the situation.

Yes. Árajánlat is also a compound:

• ár = price
• ajánlat = offer, proposal

Together, árajánlat means price quote, quotation, or estimate.

So the sentence is talking about checking a specific estimate or quote.

Hungarian usually does not need a separate subject pronoun when the subject is already clear.

In ellenőrzi, the verb ending already tells you it is third person singular: he/she/it checks. And the noun a kárszakértő already names the subject anyway.

So Hungarian normally says:

• A kárszakértő ellenőrzi az árajánlatot.

not:

• A kárszakértő ő ellenőrzi az árajánlatot.

Adding ő would usually only happen for emphasis or contrast.

Not completely. Hungarian word order is more flexible than English word order, and it often reflects focus or emphasis.

The neutral version here is:

• A kárszakértő ellenőrzi az árajánlatot.

This simply states the fact.

But other orders are possible in the right context. For example:

• Az árajánlatot a kárszakértő ellenőrzi.
  This can emphasize that it is the claims expert who checks the quote.

• A kárszakértő az árajánlatot ellenőrzi.
  This can put more focus on the quote.

So the sentence order you were given is a normal, neutral one.

A rough guide:

• kárszakértő ≈ kaar-saw-kayr-tuh
• ellenőrzi ≈ el-leh-nur-zee

A few useful pronunciation points:

• á is a long a, like a stretched ah
• é is a long e
• ő is a long rounded vowel that English does not really have; it is somewhat like a rounded version of e
• sz is pronounced like English s
• zs is like the s in measure (not in this sentence, but useful to know)
• stress in Hungarian normally falls on the first syllable of each word

So:

• KÁR-sza-kér-tő
• EL-len-őr-zi
• Á-ra-aján-la-tot

Because the article and the case ending do different jobs:

• az marks the noun as definite = the quote
• -t marks the noun as the direct object

Hungarian often stacks this kind of information onto the noun phrase. So both are needed:

• az árajánlatot = the quote/estimate as the object

You cannot normally leave out the article here if you mean the specific quote.

Yes. Hungarian present tense often covers both simple present and continuous meaning, depending on context.

So ellenőrzi can mean:

• checks
• is checking
• inspects
• is inspecting

The exact English translation depends on the situation. Hungarian does not force the same simple-vs.-continuous distinction that English does.

No. Hungarian does not have grammatical gender like many European languages do.

So:

• a kárszakértő does not tell you whether the expert is male or female
• ellenőrzi does not tell you that either

If gender matters, it has to be understood from context or stated explicitly some other way. This is why English translations often use he/she if needed, but Hungarian itself does not require that distinction here.