Amend CSSB 14 as follows:                                                    
	(1)  On page 1, lines 10 through 11, strike "PERSONAL 
AUTOMOBILE INSURANCE AND".
	(2)  On page 1, line 13, strike "personal automobile 
insurance and".  
	(3)  On page 1, lines 16 through 17, strike "personal 
automobile insurance rates and".
	(4)  On page 1, lines 20 through 21, strike "personal 
automobile and".
	(5)  On page 3, line 17, strike "personal automobile 
insurance or".   
	(6)  On page 3, line 20, strike "personal automobile 
insurance or".   
	(7)  On page 4, line 2, strike "personal automobile insurance 
or".    
	(8)  On page 4, strike lines 7 through 11.                                     
	(9)  On page 4, line 27, strike "personal automobile 
insurance or".   
	(10)  On page 42, line 22, strike "personal automobile 
insurance or". 
	(11)  On page 43, lines 1 through 2, strike "personal 
automobile insurance or".
	(12)  On page 47, strike lines 15 through page 49, line 8.                     
	(13)  On page 50, line 27, through page 51, line 1, strike 
"personal and".
	(14)  On page 52, line 16, strike "PERSONAL AND".                       
	(15)  On page 52, line 22, strike "personal and".                       
	(16)  On page 53, line 16, strike "personal and".                       
	(17)  On page 54, line 5, strike "personal and".                        
	(18)  On page 54, lines 23 through 24, strike "PERSONAL 
AUTOMOBILE INSURANCE COVERAGE AND".
	(19)  On page 54, lines 2 through 3, strike "personal 
automobile insurance or".
	(20)  On page 54, lines 5 through 6, strike "personal 
automobile insurance or".
	(21)  On page 54, strike lines 14 through 23.                                  
	(22)  On page 56, lines 5 through 6, strike "personal 
automobile insurance and".
	(23)  On page 69, lines 3 through page 74, line 22.                            
	(24)  On page 85, line 6, strike "motor vehicle insurance 
and".              
	(25)  On page 85, line 8, strike "motor vehicle insurance 
and".       
	(26)  On page 85, strike line 16 through page 87, line 9.                      
	(27)  On page 87, strike the sentence beginning on line 24.                    
	(28)  On page 88, strike the sentence beginning on line 19.                    
	(29)  On page 89 , strike lines 1 through 10.                                  
	(30)  On page 89, strike lines 12 through 13.                                  
	(31)  Add a new Article to the bill, appropriately numbered, 
as follows:     

ARTICLE _____.  MIGRATION OF AUTO INSUREDS
	SECTION _____.01.  Subchapter E, Insurance Code, is amended 
by adding Article 21.49-2K as follows:
	Art. 21.49-2K.  MIGRATION OF AUTO INSUREDS.  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 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 or other fee, that is lower 
than the highest rate allowed within the flexibility band for that 
classification and territory.  No county mutual insurer may use 
rates and rating factors that are unjust, excessive, inadequate, 
unreasonable, or unfairly discriminatory for the risks to which 
they apply.