A Liability Examiner is a professional in the insurance industry responsible for investigating, analyzing, and determining the extent of an insurance company’s responsibility concerning personal, casualty, or property loss or damages. They are tasked with examining insurance claims, interpreting the insurance policy language, and determining the insurance company’s payment obligation.
A Liability Examiner often involves reviewing and verifying information in the insurance claims process, such as medical reports, police records, or property damage reports, to ascertain the validity and value of the claim. They may also interview claimants, witnesses, or medical professionals to gather more information.
Once they have all the necessary information, Liability Examiners evaluate the claim against the policyholder’s coverage to determine what, if any, payment the insurance company is obligated to make. They may also negotiate settlements with claimants and approve payments or refer claims to investigators if they suspect fraudulent activity.
In essence, a Liability Examiner plays a crucial role in ensuring that insurance claims are handled fairly and accurately, protecting both the interests of the insurance company and the rights of policyholders.