South CarolinaH 3259126th General Assembly (2025-2026)HouseWALLET

AN ACT TO AMEND THE SOUTH CAROLINA CODE OF LAWS BY ADDING SECTION 38-77-128 SO AS TO PROHIBIT INSURERS OR AGENTS FROM CONSIDERING THE WORK-RELATED DRIVING RECORD OF A FIRST RESPONDER IN DETERMINING THE PREMIUM RATE FOR THE FIRST RESPONDER'S PERSONAL AUTOMOBILE INSURANCE POLICY.

Sponsored By: Thomas E. "Tommy" Pope (Republican)

Signed by Governor

Summary

First responder automobile insurance premiums

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 0 benefits, 0 costs, 1 mixed.

Auto rate protections for first responders

Beginning May 15, 2026, insurers and agents cannot use a first responder’s work driving record to set personal auto rates if the collision report shows the responder was noncontributing, or the crash happened while responding to an emergency call. The law covers police officers, firefighters, EMTs, paramedics, and volunteer police or firefighters engaged by a government. First responders must give their insurer, in a timely manner, a copy of the police incident report, investigative report, or Uniform Traffic Collision report. This protects personal auto premiums from line-of-duty crashes and adds a small reporting duty.

Sponsors & Cosponsors

Sponsor

  • Thomas E. "Tommy" Pope

    Republican • House

Cosponsors

  • Brandon L. Cox

    Republican • House

  • Donald G. "Don" Chapman

    Republican • House

  • Sylleste H. Davis

    Republican • House

  • Daniel Gibson

    Republican • House

  • Leon D. "Doug" Gilliam

    Republican • House

  • Harriet A. Holman

    Republican • House

  • M. Brian Lawson

    Republican • House

  • Thomas R. "Randy" Ligon

    Republican • House

  • Marvin "Mark" Smith

    Republican • House

  • John R. McCravy III

    Republican • House

  • Fawn M. Pedalino

    Republican • House

Roll Call Votes

All Roll Calls

Yes: 269 • No: 0

Senate vote • 4/29/2026

(First responder automobile insurance premiums)2nd Reading

Yes: 43 • No: 0

House vote • 2/27/2025

(First responder automobile insurance premiums)Passage of Bill

Yes: 113 • No: 0

House vote • 2/27/2025

(First responder automobile insurance premiums)Passage of Bill

Yes: 113 • No: 0

Actions Timeline

  1. Act No. 133

    5/26/2026legislature
  2. Effective date 05/15/26

    5/26/2026legislature
  3. Signed By Governor

    5/15/2026Governor
  4. Ratified R 172

    5/14/2026legislature
  5. Read third time and enrolled

    4/30/2026Senate
  6. Roll call Ayes-43 Nays-0

    4/29/2026Senate
  7. Read second time

    4/29/2026Senate
  8. Committee report: Favorable Banking and Insurance

    4/16/2025Senate
  9. Referred to Committee on Banking and Insurance

    3/4/2025Senate
  10. Introduced and read first time

    3/4/2025Senate
  11. Read third time and sent to Senate

    2/28/2025House
  12. Unanimous consent for third reading on next legislative day

    2/27/2025House
  13. Roll call Yeas-113 Nays-0

    2/27/2025House
  14. Read second time

    2/27/2025House
  15. Amended

    2/27/2025House
  16. Member(s) request name added as sponsor: Gibson

    2/27/2025House
  17. Committee report: Favorable with amendment Labor, Commerce and Industry

    2/26/2025House
  18. Member(s) request name added as sponsor: M.M.Smith, Davis, Holman, B.L.Cox, Ligon

    2/19/2025House
  19. Referred to Committee on Labor, Commerce and Industry

    1/14/2025House
  20. Introduced and read first time

    1/14/2025House
  21. Referred to Committee on Labor, Commerce and Industry

    12/5/2024House
  22. Prefiled

    12/5/2024House

Bill Text

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