What does the prohibition against preparing or filing claims for a fee not apply to?

The prohibition against preparing or filing insurance claims for a fee does not apply to public adjusters and attorneys because these professionals are specifically authorized to provide their services in this capacity. Public adjusters are licensed professionals who represent policyholders in negotiating and settling insurance claims. They are entitled to charge a fee for their services, as their role is to advocate for the interests of the client rather than the insurance company.

Attorneys are also allowed to represent clients in legal matters, including filing claims, and typically work on a contingency fee basis or charge a flat fee, depending on the nature of the case and their agreement with their client. Their expertise in legal advocacy allows them to navigate the complexities of insurance claims effectively.

In contrast, the other groups mentioned in the other choices, such as volunteers, adjusting firms that do not charge, and insurance companies, do not have the same level of authorization or regulatory backing to prepare and file claims for payment. Therefore, public adjusters and attorneys are distinct in that they are recognized and permitted to charge for their professional services in handling insurance claims.