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保險經代人能否提供較佳的理賠服務品質？：台灣汽車責任保險實證
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4. Research Limitations
This study verifies that insurance brokers or agents can assist their clients in gaining
higher claim amounts than the direct writer channel in terms of voluntary auto third-party
liability insurance. However, because of the lack of data, some restrictions were found. For
instance, we could not observe the accident liability of the insured, as well as whether a
claim case proceeded to litigation. As such, we could not take these factors into account. In
addition, all data come from an insurance company. We did not have large samples available
to support the view that insurance brokers or agents can assist their clients in expediting the
handling of incidents. We could also not verify the existence of any difference before and
after rate liberalization in terms of claim service. For this reason, we suggest that future
research obtain data from 2007–2012 and verify this issue using the following two periods,
namely, 2007–2009 and 2010–2012, or before and after the liberalization. This adoption
might provide more support to causal inference.