Sen. Glen Hegar says he hopes to make a run on his Insurance Department sunset bill on Tuesday, though apparently there is a stand-off with Democrats on the issue of prior approval versus file-and-use. Hegar, who has indeed (as a commenter noted below) met with Democrats on some 40 amendments, believes the file-and-use-system has not had time to truly effect the Texas insurance marketplace. He also says “there’s no panacea” in regulatory systems that guarantee lower rates — and argues that the sunset bill is not likely to produce that result. Until the Legislature fixes the Texas Windstorm Insurance Association, “everybody’s insurance goes up.” What happens at the end of the session if the insurance sunset bill hasn’t won passage? “It’s not the end of the session yet,” Hegar said.