North Carolina's automobile insurance rates are among the country's lowest.
But industry officials told lawmakers that a special pool covering motorists for hundreds of thousands of vehicles doesn't work very well.
A General Assembly committee met for the first time to consider changing the way the state sets car insurance rates. The panel also wants to make sure dangerous drivers are paying their fair share for coverage.
Senator Tony Rand assembled the committee in response to two bills he filed last year to change how automobile insurance rates are determined and disclosed.
Insurance Commissioner Jim Long and consumer advocates opposed the changes.