Liability claims representative vs claim processor

The differences between liability claims representatives and claim processors 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 representative and a claim processor. Additionally, a liability claims representative has an average salary of $45,654, which is higher than the $41,201 average annual salary of a claim processor.

The top three skills for a liability claims representative include litigation, claims handling and customer service. The most important skills for a claim processor are customer service, data entry, and medical terminology.

Liability claims representative vs claim processor overview

	Liability Claims Representative	Claim Processor
Yearly salary	$45,654	$41,201
Hourly rate	$21.95	$19.81
Growth rate	-6%	-6%
Number of jobs	13,563	11,542
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 81%	Bachelor's Degree, 43%
Average age	44	44
Years of experience	6	6

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.

What does a claim processor do?

A Claims Processor is responsible for processing and verifying insurance claims, in adherence to the policies, laws, and regulations of the company involved. Aside from examining its authenticity, they must also oversee new policies and recommend modifications should it be needed. Moreover, it is also the task of the Claims Processor to prepare the necessary documents and guidelines for the policyholder, process reimbursements upon approval, provide answers to inquiries, and report issues and updates to the management.

Liability claims representative vs claim processor salary

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

	Liability Claims Representative	Claim Processor
Average salary	$45,654	$41,201
Salary range	Between $33,000 And $61,000	Between $26,000 And $62,000
Highest paying City	Somerville, MA	Columbia, MD
Highest paying state	New Jersey	Connecticut
Best paying company	The Travelers Companies	NTT Data International L.L.C.
Best paying industry	Insurance	Insurance

Differences between liability claims representative and claim processor education

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

	Liability Claims Representative	Claim Processor
Most common degree	Bachelor's Degree, 81%	Bachelor's Degree, 43%
Most common major	Business	Business
Most common college	Stanford University	Stanford University

Liability claims representative vs claim processor demographics

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

	Liability Claims Representative	Claim Processor
Average age	44	44
Gender ratio	Male, 43.1% Female, 56.9%	Male, 22.9% Female, 77.1%
Race ratio	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%	Black or African American, 11.2% Unknown, 4.4% Hispanic or Latino, 16.7% Asian, 5.2% White, 62.0% American Indian and Alaska Native, 0.5%
LGBT Percentage	10%	10%

Differences between liability claims representative and claim processor duties and responsibilities

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.

Claim processor example responsibilities.

Experience in many facets of the managed healthcare insurance business.
Manage claims, route/queues, and ECHS, within specify turn- around time parameters.
Use ICD-9, CPT-4 and other medical manuals to adjudicate claims.
Analyze claims submit by providers and facilities for appropriate ICD-9, CPT and HCPCS codes against charges that are being bill.
Call DME and HME companies to correct invoices.
Coach and assist in the training of new EMR databases.

Liability claims representative vs claim processor skills

Common liability claims representative skills

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

Common claim processor skills

Customer Service, 20%
Data Entry, 8%
Medical Terminology, 5%
CPT, 5%
Claims Processing, 4%
Medical Insurance Claims, 4%

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Liability Claims Representative
Liability Claims Representative vs Claim Processor

Updated January 8, 2025

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