Liability claims examiner vs claims adjuster

The differences between liability claims examiners and claims adjusters can be seen in a few details. Each job has different responsibilities and duties. While it typically takes 4-6 years to become a liability claims examiner, becoming a claims adjuster takes usually requires 2-4 years. Additionally, a liability claims examiner has an average salary of $54,421, which is higher than the $51,116 average annual salary of a claims adjuster.

The top three skills for a liability claims examiner include party claims, litigation and claims handling. The most important skills for a claims adjuster are insurance carriers, auto claims, and customer service.

Liability claims examiner vs claims adjuster overview

	Liability Claims Examiner	Claims Adjuster
Yearly salary	$54,421	$51,116
Hourly rate	$26.16	$24.57
Growth rate	-6%	-6%
Number of jobs	13,734	13,221
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 73%	Bachelor's Degree, 66%
Average age	44	44
Years of experience	6	4

What does a liability claims examiner do?

A Liability Claims Examiner or also known as an Insurance investigator, is a person who monitors and reviews settled insurances. They will determine if the paid amount is in accordance with the corporation or company's procedure. They report possible irregularities that are happening, like underpayment and overpayment of insurances. They also evaluate insurance claims or applications and do a follow-up of the status to protect and secure the clients from having a financial loss.

What does a claims adjuster do?

A claim's adjuster is responsible for the handling of the insurance claims and investigating the extent of property damage and processing the business or a person's liability. Claims adjusters have a broad range of duties such as damage inspection to evaluate incident reports, communicating with property owners and spectators as well as referring to legal documents. They must also have excellent analytical and critical-thinking skills to calculate payments and analyze the complexities of multiple sources. Claims adjusters should also provide timely reports for reference and possible disputes.

Liability claims examiner vs claims adjuster salary

Liability claims examiners and claims adjusters have different pay scales, as shown below.

	Liability Claims Examiner	Claims Adjuster
Average salary	$54,421	$51,116
Salary range	Between $34,000 And $85,000	Between $40,000 And $64,000
Highest paying City	Lansing, MI	Los Angeles, CA
Highest paying state	Washington	New Jersey
Best paying company	W. R. Berkley	Merchants Insurance Group
Best paying industry	Insurance	Insurance

Differences between liability claims examiner and claims adjuster education

There are a few differences between a liability claims examiner and a claims adjuster in terms of educational background:

	Liability Claims Examiner	Claims Adjuster
Most common degree	Bachelor's Degree, 73%	Bachelor's Degree, 66%
Most common major	Business	Business
Most common college	Stanford University	Stanford University

Liability claims examiner vs claims adjuster demographics

Here are the differences between liability claims examiners' and claims adjusters' demographics:

	Liability Claims Examiner	Claims Adjuster
Average age	44	44
Gender ratio	Male, 46.0% Female, 54.0%	Male, 45.1% Female, 54.9%
Race ratio	Black or African American, 11.1% Unknown, 4.4% Hispanic or Latino, 16.3% Asian, 5.1% White, 62.6% American Indian and Alaska Native, 0.5%	Black or African American, 11.8% Unknown, 4.4% Hispanic or Latino, 16.8% Asian, 5.2% White, 61.2% American Indian and Alaska Native, 0.5%
LGBT Percentage	10%	10%

Differences between liability claims examiner and claims adjuster duties and responsibilities

Liability claims examiner example responsibilities.

Handle automobile liability, general liability, products liability and manage litigation for one specific client.
Manage strict confidentiality of documents and comply with HIPAA regulations stipulate by the facility and government.
Oversee adjustment of all third-party liability losses, coverage assessment, investigation, and evaluations regarding litigation claims.
Mentore less experience and newer employees in career development and individual development plans to facilitate future leadership candidates for the enterprise.
Interact with assign counsel for case status, interrogatories and preparation for trials on calendar.
Investigate and identify fraud claims and partner with SIU for additional investigations to prevent payouts after fraud are proven.

Claims adjuster example responsibilities.

Achieve targeted performance goals to manage costs and support Allstate's industry-leading operational standards.
Maintain a full caseload of WC files for a Louisiana customer, for six months, while managing this team.
Manage California branch operations including supervision of 5 WC adjusting and support staff
Apply strong customer service, organizational and multitasking skills to efficiently manage auto insurance claims.
Manage strict confidentiality of documents and comply with HIPAA regulations stipulate by the facility and government.
Manage file inventory by utilizing CCC pathways diary system documenting claim file activities in accordance with establish procedures

Liability claims examiner vs claims adjuster skills

Common liability claims examiner skills

Party Claims, 12%
Litigation, 12%
Claims Handling, 11%
Claims Process, 11%
Policy Coverage, 10%
Coverage Analysis, 9%

Common claims adjuster skills

Insurance Carriers, 13%
Auto Claims, 8%
Customer Service, 8%
Litigation, 7%
Xactimate, 6%
Claims Handling, 5%

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Liability Claims Examiner
Liability Claims Examiner vs Claims Adjuster

Updated January 8, 2025

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