Liability claims examiner vs senior claims representative

The differences between liability claims examiners and senior 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 senior claims representative. Additionally, a senior claims representative has an average salary of $54,592, 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 representative are customer service, claims handling, and litigation.

Liability claims examiner vs senior claims representative overview

	Liability Claims Examiner	Senior Claims Representative
Yearly salary	$54,421	$54,592
Hourly rate	$26.16	$26.25
Growth rate	-6%	-6%
Number of jobs	13,734	10,995
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 73%	Bachelor's Degree, 75%
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 senior claims representative do?

A senior claims representative serves as a client's primary point of contact when processing insurance claims. Their responsibilities include meeting with clients to identify their needs, gathering and verifying documentation, conducting investigations to determine the validity of insurance claims, liaising with external parties, and negotiating the amount of compensation. Furthermore, as a senior claims representative, it is essential to lead and serve as a mentor to junior claims representatives, all while implementing the company's policies and regulations, including its vision and mission.

Liability claims examiner vs senior claims representative salary

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

	Liability Claims Examiner	Senior Claims Representative
Average salary	$54,421	$54,592
Salary range	Between $34,000 And $85,000	Between $31,000 And $94,000
Highest paying City	Lansing, MI	-
Highest paying state	Washington	-
Best paying company	W. R. Berkley	-
Best paying industry	Insurance	-

Differences between liability claims examiner and senior claims representative education

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

	Liability Claims Examiner	Senior Claims Representative
Most common degree	Bachelor's Degree, 73%	Bachelor's Degree, 75%
Most common major	Business	Business
Most common college	Stanford University	Stanford University

Liability claims examiner vs senior claims representative demographics

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

	Liability Claims Examiner	Senior Claims Representative
Average age	44	44
Gender ratio	Male, 46.0% Female, 54.0%	Male, 47.3% Female, 52.7%
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, 11.2% Unknown, 4.4% Hispanic or Latino, 16.5% Asian, 5.1% White, 62.3% American Indian and Alaska Native, 0.5%
LGBT Percentage	10%	10%

Differences between liability claims examiner and senior 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.

Senior claims representative example responsibilities.

Conduct detailed interviews with physicians, prepare comprehensive written reports, retain defense counsel, and effectively manage the litigation process.
Utilize Xactimate estimating system during field inspection to properly evaluate commercial property damages.
Update computer generate claim file (s) with medical diagnoses, current CPT and ICD codes.
Analyze claims using IDC and CPT coding and negotiate settlements with attorneys, claimants, medical providers, and insureds.
Set up independent medical examinations, issue denials, attend arbitration hearings.
Coordinate and attend various mediation and arbitration hearings as well as numerous settlement hearings and conferences.

Liability claims examiner vs senior 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 senior claims representative skills

Customer Service, 26%
Claims Handling, 14%
Litigation, 9%
Insurance Claims, 3%
Bodily Injury Claims, 3%
Automobile Claims, 3%

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Liability Claims Examiner
Liability Claims Examiner vs Senior Claims Representative

Updated January 8, 2025

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