@misc{WeinSchwarze2005, author = {Thomas Wein and Reimund Schwarze}, title = {Is the Market Classification of Risk Always Efficient? - Evidence from German Third Party Motor Insurance}, institution = {Fr{\"u}here Fachbereiche}, series = {University of L{\"u}neburg Working paper series in economics}, number = {3}, type = {researchpaper}, year = {2005}, }