The following extract and associated references are taken from the first draft of a critical literature review. The research project was concerned with the impact of changes to UK legal aid legislation on motor insurance pricing policies. List the problems with this extract in terms of its:
a. content;
b. structure.

The primary function of motor insurance is to provide financial protection against damage to vehicles and bodies resulting from traffic conditions and the liabilities that can arise (Wikipedia 2018). O’Brian (2014) suggests that motor insurers have been too eager to reap the benefits of legal aid. Papra-Servano (2013) notes that the average car insurance premium has reduced since changes in legislation brought about by the UK Legal Aid, Sentencing and Punishment of Offenders Act. This Act prohibits the payment and receipt of referral fees in relation to personal injury claims by solicitors, claims companies and other authorised persons (Norton Ross Fulbright 2012). Motor insurance is particularly price sensitive because of its compulsory nature and its perception by many to have no real ‘value’ to themselves.