Who gains the right to prepare and file insurance claims?

The correct choice is that public adjusters and attorneys gain the right to prepare and file insurance claims. Public adjusters are licensed professionals who advocate for the insured party in the claims process, and their expertise allows them to negotiate and settle claims on behalf of policyholders. Attorneys also have the legal authority to prepare and file claims when representing clients, leveraging their knowledge of the law and insurance regulations to advocate effectively.

While it might seem that licensed insurance agents could have a role in this process, their primary function is to sell and service insurance policies rather than advocate for clients in claims preparation. The insured certainly has the right to file claims as well, but they typically do so without the specialized assistance required to navigate complex insurance issues effectively. Simply having a business license does not qualify an individual to prepare and file claims, as this requires specific training and licensure in the field of insurance adjusting. Thus, the combination of public adjusters and attorneys is what grants the right to prepare and file insurance claims effectively.