Amend the Hardcastle amendment by striking Art. 21.49-2K and 
substituting the following:
	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.