Amend CSHB 2102, committee printing, on page 10, between
lines 11 and 12, by inserting the following:
      (i)  Notwithstanding Subsections (a)-(h) of this section or
any other provision of this article, an applicant is eligible for
insurance through the association if the applicant and the
servicing agent certify that the applicant is unable to find
coverage at a rate that is within the benchmark flexibility band
adopted under Article 5.101 of this code and that the applicant is
a good driver.  The 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 adopted under Article
5.101 of this code and the rate adopted under this section.  The
commissioner may adopt rules as necessary to implement this
subsection.  In this subsection, "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 car or other
high-performance vehicle.