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Liability claims examiner vs claims representative

The differences between liability claims examiners and claims representatives can be seen in a few details. Each job has different responsibilities and duties. It typically takes 4-6 years to become both a liability claims examiner and a claims representative. Additionally, a liability claims examiner has an average salary of $54,421, which is higher than the $38,796 average annual salary of a claims representative.

The top three skills for a liability claims examiner include party claims, litigation and claims handling. The most important skills for a claims representative are customer service, quality standards, and policy coverage.

Liability claims examiner vs claims representative overview

Liability Claims ExaminerClaims Representative
Yearly salary$54,421$38,796
Hourly rate$26.16$18.65
Growth rate-6%-6%
Number of jobs13,73418,565
Job satisfaction--
Most common degreeBachelor's Degree, 73%Bachelor's Degree, 62%
Average age4444
Years of experience66

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 representative do?

A Claims Representative is an agent who works for insurance companies in order to investigate and settle claims. The agent acts as an intermediary between customers and insurance companies by evaluating the customers' facts surrounding claims and determining whether the loss is covered or should be compensated. Such a role is important because an agent makes sure that no fraud claims are being paid out. It is also highlighted that an agent works in compliance with state regulations.

Liability claims examiner vs claims representative salary

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

Liability Claims ExaminerClaims Representative
Average salary$54,421$38,796
Salary rangeBetween $34,000 And $85,000Between $28,000 And $53,000
Highest paying CityLansing, MIDearborn, MI
Highest paying stateWashingtonNew Jersey
Best paying companyW. R. BerkleyW. R. Berkley
Best paying industryInsuranceGovernment

Differences between liability claims examiner and claims representative education

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

Liability Claims ExaminerClaims Representative
Most common degreeBachelor's Degree, 73%Bachelor's Degree, 62%
Most common majorBusinessBusiness
Most common collegeStanford UniversityStanford University

Liability claims examiner vs claims representative demographics

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

Liability Claims ExaminerClaims Representative
Average age4444
Gender ratioMale, 46.0% Female, 54.0%Male, 37.5% Female, 62.5%
Race ratioBlack 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, 11.0% Unknown, 4.4% Hispanic or Latino, 16.5% Asian, 5.1% White, 62.4% American Indian and Alaska Native, 0.5%
LGBT Percentage10%10%

Differences between liability claims examiner and claims representative 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.
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Claims representative example responsibilities.

  • Perform initial set-up and continuously manage claims in the Juris claims management system.
  • Investigate, evaluate, and manage call to complete coverage analysis confirming or denying coverage using Xactimate estimating software.
  • Prepare necessary state filings within statutory limits, manage litigation and vocational rehabilitation process, used appropriate cost containment techniques.
  • Assist the training department in developing CSR training in order to set expectations.
  • Create custom templates and guide sheets for new trainees in the CSR Internet division to ensure consistency and increase department efficiency.
  • Utilize proper SIU reporting procedures for extensive investigation as required.
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Liability claims examiner vs claims representative 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 representative skills
  • Customer Service, 26%
  • Quality Standards, 6%
  • Policy Coverage, 6%
  • Reservations, 5%
  • Claims Handling, 3%
  • Insurance Coverage, 3%

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