Liability claims representative vs representative

The differences between liability claims representatives and representatives 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 representative, becoming a representative takes usually requires 6-12 months. Additionally, a liability claims representative has an average salary of $45,654, which is higher than the $36,023 average annual salary of a representative.

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

Liability claims representative vs representative overview

	Liability Claims Representative	Representative
Yearly salary	$45,654	$36,023
Hourly rate	$21.95	$17.32
Growth rate	-6%	-4%
Number of jobs	13,563	252,761
Job satisfaction	-	5
Most common degree	Bachelor's Degree, 81%	Bachelor's Degree, 53%
Average age	44	40
Years of experience	6	12

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 representative do?

Representatives are lawmakers who represent the people in a specific district. They run for office to represent their districts in their hometown or their current place of living. Representatives are usually charismatic and good communicators. These characteristics are especially important during campaign and election periods. Representatives should be able to capture the hearts of the voters through their planned projects and advocacies. They are then elected by their constituents. Upon election, representatives author bills that will eventually be passed into law should it be approved by the majority of the congress. They also vote on the passage of bills authored by other representatives. They also participate in discussions and debates regarding different bills, issues, and laws. Representatives are expected to vote according to their conscience and in consideration of the voice of their constituents.

Liability claims representative vs representative salary

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

	Liability Claims Representative	Representative
Average salary	$45,654	$36,023
Salary range	Between $33,000 And $61,000	Between $23,000 And $55,000
Highest paying City	Somerville, MA	Washington, DC
Highest paying state	New Jersey	New York
Best paying company	The Travelers Companies	Google
Best paying industry	Insurance	Transportation

Differences between liability claims representative and representative education

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

	Liability Claims Representative	Representative
Most common degree	Bachelor's Degree, 81%	Bachelor's Degree, 53%
Most common major	Business	Business
Most common college	Stanford University	-

Liability claims representative vs representative demographics

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

	Liability Claims Representative	Representative
Average age	44	40
Gender ratio	Male, 43.1% Female, 56.9%	Male, 41.8% Female, 58.2%
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, 11.0% Unknown, 5.4% Hispanic or Latino, 20.9% Asian, 7.5% White, 54.4% American Indian and Alaska Native, 0.7%
LGBT Percentage	10%	7%

Differences between liability claims representative and representative 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.

Representative example responsibilities.

Manage fitting rooms and recover the department, while providing exceptional customer service and offering rewards and POS options.
Manage physical portfolio with necessary derivatives to mitigate risk within company guidelines.
Conduct telephone sales and interviews, compile and enter information into database, manage documents and insure customer satisfaction.
Review EOB denials, appeals and/or rebilling as appropriate.
Certify of all requirements, policies, and procedures, including MSB.
Take inbound phone calls from member and providers explaining the EOB denial and payments

Liability claims representative vs representative skills

Common liability claims representative skills

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

Common representative skills

Cleanliness, 20%
Patients, 11%
Customer Issues, 10%
Customer Service, 10%
Data Entry, 6%
Outbound Calls, 3%

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Liability Claims Representative
Liability Claims Representative vs Representative

Updated January 8, 2025

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