Amend CSSB 14 as follows:                                                    
	1. On page 8, line 17, after the words "September 1" delete 
"2004" and substitute "2005".
	2. On page 8, line 18, add new Sec. 8 which reads as follows:                  
	Sec. 8 Art. 21.49-2K. MIGRATION OF AUTO INSUREDS. (a) In 
order to prevent the circumvention of the state's rate regulation 
of personal automobile insurance through the migration of insureds 
from insurers subject to regulation to county mutual insurers, and 
notwithstanding any other law, a county mutual insurance company 
that is affiliated with an automobile insurer subject to Article 
5.101 of this code may not write personal automobile insurance for 
any insured at a rate, including any applicable policy fee, that, 
after the application of any discount available to the insured, is 
lower than the highest rate allowed under the flexibility band for 
that classification and territory after the application of 
mandatory discounts and surcharges under department rules.
	(b) Not later than the 60th day after the effective date of a 
benchmark rate, a county mutual insurance company shall make any 
filing necessary to comply with this section.  The rates of the 
county mutual insurance company that are in effect on the effective 
date of the benchmark rate continue in effect until the filing is 
made.
	(c) This section applies only to a rate applicable to new 
insurance policies that are delivered or issued for delivery to be 
effective on or after January 1, 2004 and to a renewal insurance 
policy that is delivered or issued for delivery to be effective on 
or after January 1, 2005.  A county mutual insurance company writing 
risks within the flexibility bands on the effective date of this Act 
shall file with the commissioner of insurance a transition plan 
demonstrating the orderly transition for renewal policies.  The 
commissioner of insurance may adopt reasonable rules necessary to 
implement the transition of renewal policies.
	(d) This section does not apply to single interest insurance 
or insurance on mobile homes, motor homes, travel trailers, 
motorcycles, antique/classic, custom or specialty automobiles.
	3. On page 21, line 14, delete current SECTION 4.13 and 
substitute the following:
	SECTION 4.13. This article takes effect September 1, 2005, 
except that Sections 14 and 15, Article 5.13-2, Insurance Code, as 
added by this article, take effect on the effective date of this 
Act.
	4. On page 22, line 13, delete "2004" and substitute "2005".     
	5. On page 22, line 25, delete "2004" and substitute "2005".     
	6. On page 23, line 13, delete "2004" and substitute "2005".     
	7. On page 23, line 26, delete "2004" and substitute "2005".     
	8. On page 24, line 26, delete "2004" and substitute "2005".     
	9. On page 24, line 24, delete "2004" and substitute "2005".     
	10. On page 25, line 16, delete "2004" and substitute "2005".    
	11. On page 25, line 24, delete "2004" and substitute "2005".