Amend CSSB 1787, Senate Committee Printing, as follows:
      (1)  Insert the following new ARTICLE 5 and redesignate the
subsequent ARTICLES of the bill accordingly:
                ARTICLE 5.  INSURANCE AVAILABILITY
      SECTION 5.01. Article 21.81, Chapter 21, Insurance Code, is
amended adding a new Sec. 4(c) and Sec. 4(d) to read as follows:
      (c)  Notwithstanding Section 5 of this article, an applicant
is eligible for insurance through the association if the applicant
and servicing agent certify that the applicant is unable to find
coverage at a rate that is within the benchmark flexibility band,
pursuant to Art. 5.101 of this Code and the applicant is a good
driver.  Such an applicant shall be charged a rate for coverage
that does not exceed a rate that is greater than the midway point
between 115 percent of the benchmark rate promulgated pursuant to
Art. 5.101 of this Code and the rate promulgated under Section 5 of
this article.  The commissioner may make rules to implement this
section.
      (d)  In this section, a "good driver" means an individual
who:
            (1)  is over the age of:
                  (A)  if male, 25 years of age; and
                  (B)  if female, 21 years of age;
            (2)  has been licensed for at least three years to
drive the type of motor vehicle to be insured;
            (3)  during the previous three years, has not:
                  (A)  been at fault in a motor vehicle accident
that resulted in bodily injury, death, or property damage;
                  (B)  been convicted of a violation of a traffic
safety regulation that involved a moving vehicle; or
                  (C)  been convicted of an offense under Section
49.04, Penal Code, or Section 106.041, Alcoholic Beverage Code;
            (4)  has never made a fraudulent insurance claim; and
            (5)  does not drive a sports or high-performance
vehicle.
      (2)  On page 11, between line 11-39 and 11-40, insert the
following new SECTION 6.03 and SECTION 6.04 and renumber the
subsequent SECTIONS:
      SECTION 6.03.  Subsections 4(c) and 4(d) of Article 21.81,
Insurance Code, as added by this Act, apply only to a motor vehicle
liability insurance policy that is delivered, issued for delivery,
or renewed on or after January 1, 2001.  A policy that is
delivered, issued for delivery, or renewed before January 1, 2001,
is governed by the law as it existed immediately before the
effective date of this Act, and that law is continued in effect for
that purpose.
      SECTION 6.04.  The provisions of Subsections 4(c) and 4(d) of
Article 21.81, Insurance Code, as added by this Act, expire January
1, 2003.