All Roll Calls
Yes: 149 • No: 0
South CarolinaS 0307126th General Assembly (2025-2026)SenateWALLET
AN ACT TO AMEND THE SOUTH CAROLINA CODE OF LAWS BY ADDING CHAPTER 36 TO TITLE 56 SO AS TO DEFINE CERTAIN TERMS, TO ESTABLISH GUIDELINES FOR THE OPERATION OF PEER-TO-PEER CAR SHARING PROGRAMS, AND TO ESTABLISH INSURANCE AND LIABILITY PROCEDURES; AND TO PROVIDE THE DEPARTMENT OF INSURANCE SHALL PROMULGATE REGULATIONS TO IMPLEMENT THE PROVISIONS OF THIS ACT.
Sponsored By: Wes Climer (Republican)
Signed by Governor
Summary
Peer-to-peer Car Sharing
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Bill Overview
Analyzed Economic Effects
7 provisions identified: 2 benefits, 1 costs, 4 mixed.
Who pays in a car‑sharing crash
During each sharing period, the program assumes the owner’s liability for injuries, property damage, and uninsured motorist losses at least up to South Carolina’s minimums. The owner and the driver must be insured, and coverage can come from the owner, the driver, the program, or a mix. That coverage is primary during sharing, and it must meet higher limits in another state up to policy limits. If the owner’s or driver’s policy lapses or is too low, the program’s policy pays from the first dollar and defends the claim. Program coverage does not have to wait for another insurer to deny a claim. If required records are missing or there is a dispute about control or return, the program or its insurer is primary. Owners and the program are not liable just because they own the car. A program can buy its own policies and has an insurable interest during sharing. These rules apply starting May 8, 2025.
No sharing with open safety recalls
Programs must verify a car has no unrepaired safety recalls before listing it. If an owner knows of a recall, they cannot list the car until it is fixed. If notice arrives while the car is listed, the car must be removed until repaired. If notice arrives while a driver has the car, the owner must tell the program promptly. These safety rules start May 8, 2025.
Personal auto insurers can exclude sharing
Your personal auto insurer can exclude coverage when your car is shared on a platform. Exclusions can apply to liability, uninsured/underinsured motorist, medical payments, comprehensive, and collision. Insurers can also cancel or not renew under existing law. Check your policy and costs before listing a car. This applies starting May 8, 2025.
Clear disclosures and indemnity warnings
Program agreements must clearly show daily rates, fees, and any insurance package costs. They must state when program insurance applies, give an emergency phone number, and say if drivers need personal primary insurance. Programs must tell owners if a car loan or lien may be violated by sharing, including if there is no physical damage coverage. The program stays liable for its own wrongdoing, but it can seek repayment from owners or drivers who breach the agreement. These rules start May 8, 2025.
Licensed drivers only and better records
You must have a valid license for the vehicle type to book a car. Nonresidents must meet the same age rule and hold a valid license from their home state or country. Programs must keep driver names, addresses, license numbers, and where licenses were issued. Programs must also track use times, pickup and drop‑off locations, driver fees, and owner revenue, share this with owners and insurers on request, and keep it at least as long as the injury statute of limitations. These rules begin May 8, 2025.
Program is responsible for installed gear
If a program installs equipment to run sharing, the program is responsible for that equipment. It must protect the owner from loss or damage to that gear during sharing unless the owner caused it. The program may seek repayment from the driver for equipment loss or damage during the sharing period. This applies starting May 8, 2025.
Statewide rules for car sharing start
South Carolina creates a statewide framework for peer‑to‑peer car sharing. It sets rules for operations, insurance, liability, records, disclosures, and recalls. The Department of Insurance will issue regulations to carry this out. Certain other statutes do not apply to this new chapter. The law is effective May 8, 2025.
Sponsors & Cosponsors
Sponsor
Wes Climer
Republican • Senate
Cosponsors
Josh Kimbrell
Republican • Senate
Overture Walker
Democrat • Senate
Kent M. Williams
Democrat • Senate
Roll Call Votes
House vote • 5/1/2025
(Peer-to-peer Car Sharing)Passage of Bill
Yes: 108 • No: 0
Senate vote • 3/27/2025
(Peer-to-peer Car Sharing)2nd Reading
Yes: 41 • No: 0
Actions Timeline
Act No. 20
5/16/2025legislatureEffective date 05/08/25
5/16/2025legislatureSigned By Governor
5/8/2025GovernorRatified R 36
5/6/2025legislatureRead third time and enrolled
5/2/2025HouseUnanimous consent for third reading on next legislative day
5/1/2025HouseRoll call Yeas-108 Nays-0
5/1/2025HouseRead second time
5/1/2025HouseCommittee report: Favorable Labor, Commerce and Industry
4/30/2025HouseReferred to Committee on Labor, Commerce and Industry
4/3/2025HouseRead third time and sent to House
4/1/2025SenateScrivener's error corrected
3/28/2025legislatureRoll call Ayes-41 Nays-0
3/27/2025SenateRead second time
3/27/2025SenateCommittee Amendment Adopted
3/25/2025SenateScrivener's error corrected
2/25/2025legislatureCommittee report: Favorable with amendment Transportation
2/20/2025SenateReferred to Committee on Transportation
2/4/2025SenateIntroduced and read first time
2/4/2025Senate
Bill Text
Introduced
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