South Carolina 2025-2026 Regular Session Status: In Committee

S 212 — Insurance policy renewal

Last action — Referred to Committee on Banking and Insurance

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  1. ✓
    Introduced
  2. 2
    In Committee
  3. 3
    Passed Senate
  4. 4
    Passed House
  5. 5
    To Executive
  6. 6
    Enacted

This bill is in committee in the Senate. Introduced January 15, 2025. It must pass committee before a floor vote.

Next likely step: a committee vote, then a floor vote in the Senate.

Prognosis

Stalled 14% · moderate confidence

Where this bill stands today.

Odds of enactment

Low

How often bills like it became law.

  • In Committee

    Current position in the legislative process.

  • 1 sponsor

    1 primary, 0 co-sponsors signed on.

Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.

Summary

A BILL TO AMEND THE SOUTH CAROLINA CODE OF LAWS BY AMENDING SECTION 38-75-750, RELATING TO REQUIREMENTS FOR RENEWAL OF INSURANCE POLICIES, SO AS TO PROVIDE THAT AN INSURED MUST HAVE NOTICE OF AND GIVE WRITTEN CONSENT TO ANY INCREASE IN THE AMOUNT OF A DEDUCTIBLE PRIOR TO RENEWAL.

Bill Text

What changed in the latest version

56 added · 16 removed

Plain-language change summary

The recent amendment to Bill S 212 requires that insurance companies must provide policyholders with clear notice and obtain their written consent before increasing the deductible amount upon renewal of their insurance policies. This change is important because it ensures that consumers are aware of and agree to any changes that could affect their out-of-pocket costs, promoting transparency and better financial planning for policyholders.

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2025-2026 Bill 212 Text of Previous Version (Jan.
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15, 2025) - South Carolina Legislature Online South Carolina General Assembly126th Session, 2025-2026Bill 212Indicates Matter StrickenIndicates New Matter(Text matches printed bills.
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Document has been reformatted to meet World Wide Web specifications.)                 A bill   TO AMEND THE SOUTH CAROLINA CODE OF LAWS BY AMENDING SECTION 38-75-750, RELATING TO REQUIREMENTS FOR RENEWAL OF INSURANCE POLICIES, SO AS TO PROVIDE THAT AN INSURED MUST HAVE NOTICE OF AND GIVE WRITTEN CONSENT TO ANY INCREASE IN THE AMOUNT OF A DEDUCTIBLE PRIOR TO RENEWAL.
  Be it enacted by the General Assembly of the State of South Carolina:
  SECTION 1.  Section 38-75-750 of the S.C.
Code is amended to read:
      Section 38-75-750.
(a)(A) If an insurer intends to renew a policy, the insurer shall furnish renewal terms, and a statement of the amount of premium or estimated premium due, and the notice required by subsection (E), if applicable, for the renewal policy period and, if applicable, must receive the insured's written consent to any increase in the amount of the deductible in the manner required by this section.
    (b)(B) If the policy being renewed (hereinafter "original policy") is written for a term of one year or less, the renewal terms and statement of premium or estimated premium due must be furnished to the insured not less than thirty days prior to the expiration date of the original policy.
    (c)(C) If the original policy is written for a term of more than one year or for an indefinite term, the renewal terms and statement of premium or estimated premium due must be furnished to the insured not less than thirty days prior to the anniversary date of the original policy.
    (d)(D) The insurer may satisfy its obligation to furnish renewal terms and statement of premium or estimated premium due by either of the following methods:
       (1) mailing or delivering renewal terms and statement to the insured at his address shown in the policy or, if not reflected therein, at his last known address, not less than thirty days prior to expiration or anniversary;  or        (2) mailing or delivering renewal terms and statement to the agent of record, if any, not less than forty-five days prior to expiration or anniversary, along with instructions that the agent furnish the renewal terms and statement to the insured not less than thirty days prior to expiration or anniversary.
    (E) If an insurer intends to change the amount of an insured's deductible in the original policy, then the insurer shall, as soon as practicable, notify the insured in writing prior to the implementation of the change.
Before any increased deductible is required to be paid by the insured, the increase must be expressly consented to in writing by the insured, provided that such consent is voluntary and is only given following receipt by the insured of written notice of all terms and conditions of the new contract of insurance.
    (e)(F) If the insurer fails to furnish the renewal terms, and statement of premium or estimated premium due, or the notice required by subsection (E), if applicable, in the manner required by this section or fails to receive consent pursuant to subsection (E), then the insured may elect to cancel the renewal policy within the thirty-day period following receipt of the renewal terms and statement of premium or estimated premium due.  Earned premium for any period of coverage must be calculated pro rata based upon the premium applicable to the original policy and not the premium applicable to the renewal policy.
  SECTION 2.  This act takes effect upon approval by the Governor.
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Action History

  1. Referred to Committee on Banking and Insurance

  2. Introduced and read first time

Sponsors

Sponsorship breakdown

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1 sponsors · 0 co-sponsors · 169 not signed on

Sponsors (1)

Co-sponsors (0)

None.

Not signed on (169)

169 members have not signed on to this bill.

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"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Subjects

health-insurance
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

What does S 212 do?
A BILL TO AMEND THE SOUTH CAROLINA CODE OF LAWS BY AMENDING SECTION 38-75-750, RELATING TO REQUIREMENTS FOR RENEWAL OF INSURANCE POLICIES, SO AS TO PROVIDE THAT AN INSURED MUST HAVE NOTICE OF AND GIVE WRITTEN CONSENT TO ANY INCREASE IN THE AMOUNT OF A DEDUCTIBLE PRIOR TO RENEWAL.
Who sponsors S 212?
S 212 is sponsored by Senator A. Shane Massey.
What is the current status of S 212?
This bill is in committee in the Senate. Introduced January 15, 2025. It must pass committee before a floor vote.
Where can I track S 212?
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