Liability claims examiner vs senior claims adjuster

The differences between liability claims examiners and senior 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 senior claims adjuster takes usually requires 2-4 years. Additionally, a senior claims adjuster has an average salary of $58,688, which is higher than the $54,421 average annual salary of a liability claims examiner.

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

Liability claims examiner vs senior claims adjuster overview

	Liability Claims Examiner	Senior Claims Adjuster
Yearly salary	$54,421	$58,688
Hourly rate	$26.16	$28.22
Growth rate	-6%	-6%
Number of jobs	13,734	11,495
Job satisfaction	-	2
Most common degree	Bachelor's Degree, 73%	Bachelor's Degree, 70%
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 senior claims adjuster do?

A senior claims adjuster is in charge of inspecting and analyzing insurance claims to validate and adjust payments. Among their responsibilities include reviewing and verifying claims documents, visiting sites to investigate property damages and personal injuries, gathering evidence such as photos and videos, and conducting interviews with witnesses and clients. Moreover, as a senior claims adjuster, it is essential to lead and serve as a mentor to fellow claims adjusters while enforcing and promoting the company's policies and regulations.

Liability claims examiner vs senior claims adjuster salary

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

	Liability Claims Examiner	Senior Claims Adjuster
Average salary	$54,421	$58,688
Salary range	Between $34,000 And $85,000	Between $37,000 And $91,000
Highest paying City	Lansing, MI	Roseville, CA
Highest paying state	Washington	New Jersey
Best paying company	W. R. Berkley	EMC Insurance
Best paying industry	Insurance	Insurance

Differences between liability claims examiner and senior claims adjuster education

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

	Liability Claims Examiner	Senior Claims Adjuster
Most common degree	Bachelor's Degree, 73%	Bachelor's Degree, 70%
Most common major	Business	Business
Most common college	Stanford University	Stanford University

Liability claims examiner vs senior claims adjuster demographics

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

	Liability Claims Examiner	Senior Claims Adjuster
Average age	44	44
Gender ratio	Male, 46.0% Female, 54.0%	Male, 48.2% Female, 51.8%
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, 11.7% Unknown, 4.4% Hispanic or Latino, 16.9% Asian, 5.2% White, 61.3% American Indian and Alaska Native, 0.5%
LGBT Percentage	10%	10%

Differences between liability claims examiner and senior 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.

Senior claims adjuster example responsibilities.

Manage file inventory by utilizing CCC pathways diary system documenting claim file activities in accordance with establish procedures
Experience litigation adjuster proactively investigating, evaluating, and negotiating commercial and homeowner general liability casualty and property damage liability claims.
Prepare and calculate consumer pensions as well as variable & fix annuities.
Develop relationships with other departments such as sales, underwriting, and SIU in order to meet business goals.
Prepare property repair estimates utilizing Xactimate estimating software.
Structure settlement options with annuities and Medicare set-aside programs.

Liability claims examiner vs senior 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 senior claims adjuster skills

Customer Service, 25%
Litigation, 9%
Coverage Issues, 6%
Strong Customer Service, 5%
Settlement Authority, 5%
Claims Handling, 3%

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Liability Claims Examiner
Liability Claims Examiner vs Senior Claims Adjuster

Updated January 8, 2025

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