Liability claims examiner vs liability claims representative

The differences between liability claims examiners and liability 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 liability claims representative. Additionally, a liability claims examiner has an average salary of $54,421, which is higher than the $45,654 average annual salary of a liability claims representative.

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

Liability claims examiner vs liability claims representative overview

	Liability Claims Examiner	Liability Claims Representative
Yearly salary	$54,421	$45,654
Hourly rate	$26.16	$21.95
Growth rate	-6%	-6%
Number of jobs	13,734	13,563
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 73%	Bachelor's Degree, 81%
Average age	44	44
Years of experience	6	6

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 liability claims representative do?

A liability claims representative works at insurance companies where they are in charge of processing and settling insurance claims, ensuring accurate and efficient client service. They are responsible for conducting assessments, reviewing reports from examiners, and tracking any discrepancies such as underpayment or overpayment, reporting them right away. There are also times when they must meet with clients and inspect damages, conduct interviews and evaluations, estimate and negotiate settlements with external parties, and coordinate with other professionals to gain insights. Moreover, a liability claims representative maintains an active communication line with staff, resolving issues in a timely manner.

Liability claims examiner vs liability claims representative salary

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

	Liability Claims Examiner	Liability Claims Representative
Average salary	$54,421	$45,654
Salary range	Between $34,000 And $85,000	Between $33,000 And $61,000
Highest paying City	Lansing, MI	Somerville, MA
Highest paying state	Washington	New Jersey
Best paying company	W. R. Berkley	The Travelers Companies
Best paying industry	Insurance	Insurance

Differences between liability claims examiner and liability claims representative education

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

	Liability Claims Examiner	Liability Claims Representative
Most common degree	Bachelor's Degree, 73%	Bachelor's Degree, 81%
Most common major	Business	Business
Most common college	Stanford University	Stanford University

Liability claims examiner vs liability claims representative demographics

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

	Liability Claims Examiner	Liability Claims Representative
Average age	44	44
Gender ratio	Male, 46.0% Female, 54.0%	Male, 43.1% Female, 56.9%
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, 11.5% Unknown, 4.4% Hispanic or Latino, 16.7% Asian, 5.2% White, 61.7% American Indian and Alaska Native, 0.5%
LGBT Percentage	10%	10%

Differences between liability claims examiner and liability 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.

Liability claims representative example responsibilities.

Investigate, evaluate, and manage call to complete coverage analysis confirming or denying coverage using Xactimate estimating software.
Investigate and conclude property and casualty liability claims including those in litigation with the highest overall production of the claims representatives.
Participate in arbitration hearings through writing contentions, compiling evidence and personally representing files.
Control expenses by developing and following resolutions and/or litigation plans to drive claim to resolution.
Facilitate training seminars for new employees to familiarize them with various corporate procedures including exposure recognition, fraud detection and arbitration.
Complete field inspection of losses including accurate scope of damages, photographic evidence collection, written estimates utilizing Xactimate estimating software.

Liability claims examiner vs liability 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 liability claims representative skills

Litigation, 9%
Claims Handling, 8%
Customer Service, 7%
Law Enforcement Agencies, 6%
Insurance Claims, 6%
Reservations, 6%

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Liability Claims Examiner
Liability Claims Examiner vs Liability Claims Representative

Updated January 8, 2025

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