In South Carolina in 2025, Big Insurance Corporations have launched an unprecedented effort to make it harder for individual consumers to recover from their insurance companies when bad things happen to them. Conservatives need to stand up and call their legislators to make their voices heard.
In South Carolina in 2025, Big Insurance Corporations have launched an unprecedented effort to make it harder for individual consumers to recover from their insurance companies when bad things happen to them. Conservatives need to stand up and call their legislators to make their voices heard.
We’re fighting to hold Big Insurance accountable. In South Carolina, Big Insurance has launched unprecedented efforts to make it harder for consumers to recover losses when bad things happen. These corporations want even more corporate control, leaving South Carolinians to face powerful insurance giants on their own. Join us and Make Insurance Fair Again.
Insurance companies have a simple business model. They charge their customers premiums, and pay out claims when bad things happen to their customers. But increasingly, insurers are working harder and harder to increase their profits — at the expense of their customers — by delaying payment on claims, denying liability and coverage, and defending against claims in courts.
Bills like S.244 are insurance industry bailouts that strip away accountability and make it harder for South Carolinians to get fair compensation when disaster strikes.
42.5% of South Carolina homeowners’ insurance claims were closed without payment in 2024 — leaving families to rebuild on their own while insurers walked away with record profits.
In 2024, the U.S. property and casualty insurance industry reported $169 billion in net income — its most profitable year in history — even as lobbyists push S.244 to limit consumer rights.
From 2021 to 2024, South Carolina homeowners saw an average 17% increase in premiums, yet insurance companies continue to demand reforms that don’t guarantee any rate relief.
Bills like S.244 are written to protect corporate profits — not South Carolina families. Stand with us to stop insurance industry bailouts and keep fairness, transparency, and accountability in our laws.
South Carolinians deserve real coverage in return for paying their premiums. Insurance companies must honor valid claims promptly and base rates on real risk, not arbitrary factors like credit score or ZIP code.
Insurers should operate openly, with public reporting on rates, profits, and claims decisions. Lawmakers and regulators must ensure accountability instead of protecting corporate interests.
Every South Carolinian deserves access to justice. Any so-called “reform” should strengthen, not weaken, the legal and constitutional rights that allow citizens to hold insurance companies accountable.
South Carolina lawmakers promised relief with so-called "tort reform," but bar owners said it did the opposite. We warned that “tort reform” would not work— it was never designed to lower insurance rates. It was only intended to help insurance companies. The sad truth is that certain South Carolina politicians (those who work for insurance companies) wanted to help their insurance clients instead of the people. Christopher Smith, Executive Director of the South Carolina Bar and Tavern Association, said it’s not a guarantee that businesses will actually receive these reductions because of a “disconnect between the Department of Insurance, the bill that passed, and the insurance companies.” He described multiple scenarios where bar owners went to their insurance company for renewals and to let them know they qualify for a risk-mitigation reduction—just to be denied. Proof that insurance companies only care about jacking up rates to make more profit! Read the full story at the link in our bio.
Mar 13
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In Florida, lawmakers were pressed on the data behind tort reform. The response: “no data” and “I don’t know.” Yet rights were cut anyway. South Carolina shouldn’t repeat that mistake. Don’t take away South Carolinians’ rights based on lobbyists’ math. Demand transparency. Demand proof. Demand reform that protects people, not just insurers.
Mar 12
13
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DID YOU KNOW?
The Seventh Amendment guarantees every American the right to a civil jury trial — the power to hold corporations accountable in court. When lawmakers talk about “tort reform,” they’re often talking about limiting that right. Real reform protects South Carolinians’ access to justice, not corporate immunity.
Share Your Insurance Story
Real stories help people understand the impact of insurance decisions on real lives. If you have been affected, your voice can help others and inform the fight for fairness.
Consumer Federation of America
https://consumerfed.org/
American Policyholders Association
https://apassociation.org/
