First responder automobile insurance premiums
If you are a first responder, this means your work-related driving record will not affect your auto insurance rates.
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H 3259 — First responder automobile insurance premiums
Last action — Act No. 133
No card. One bill, free forever — alerts when it moves.
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✓Introduced
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✓In Committee
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✓Passed House
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✓Passed Senate
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✓To Executive
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6Enacted
This bill has been enacted into law. Introduced December 05, 2024. Enacted.
Signed by Governor Henry McMaster (Republican) on May 15, 2026.
Prognosis
Where this bill stands today.
Odds of enactment
HighHow often bills like it became law.
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Enacted
Current position in the legislative process.
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12 sponsors
12 primary, 0 co-sponsors signed on.
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Cleared a recorded vote
Passed 2 recorded votes so far.
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.
In plain language
The bill prevents insurers from factoring in first responders' work-related driving records for auto insurance rates.
This legislation amends South Carolina law to ensure that first responders' personal auto insurance premiums cannot be influenced by their work-related driving history. It aims to provide fairer insurance rates for these individuals.
What this means for you
- Workers: If you are a first responder, this means your work-related driving record will not affect your auto insurance rates.
Summary
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. - RATIFIED TITLE
Bill Text
What changed in the latest version
2 added · 41 removedPlain-language change summary
The recent amendment to Bill H 3259 has changed how personal automobile insurance premiums are calculated for first responders in South Carolina. Specifically, insurers can no longer consider a first responder's work-related driving record when determining their insurance rates. This is significant because it aims to ensure that first responders are not penalized financially for driving related to their crucial roles, which can involve unique risks and challenges.
2025-2026 Bill 3259 Text of Previous Version (Feb.(Dec.
26,06, 2025)2024) - South Carolina Legislature Online South Carolina General Assembly126th Session, 2025-2026Bill 3259Indicates Matter StrickenIndicates New Matter(Text matches printed bills.
Document has been reformatted to meet World Wide Web specifications.) Indicates Matter Stricken Indicates New Matter Committee ReportA Februarybill 26, 2025TO AMEND H.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.
3259 Introduced by Reps.
Pope, Gilliam, Lawson, Chapman, Pedalino, McCravy, M.
M.
Smith, Davis, Holman, B.
L.
Cox and Ligon S.
Printed 2/26/25--H.
Read the first time January 14, 2025 ________ The committee on House Labor, Commerce and Industry To whom was referred a Bill (H.
3259) 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, etc., respectfully Report:
That they have duly and carefully considered the same, and recommend that the same do pass with amendment:
Amend the bill, as and if amended, SECTION 1, by striking Section 38-77-128(A) and (B) and inserting:
(A) In determining the premium rates for a personal automobile insurance policy of a first responder, it is unlawful to consider the work-related driving record of a first responder if he is found to be noncontributing on the collision report or involved in a collision when responding to an emergency call.
(B) The first responder must furnish a copy of the police incident report, investigative report, or Uniform Traffic Collision report regarding the crash in a timely manner to the insurance agent or insurer.
(C) For purposes of this section, "first responder" means a law enforcement officer or firefighter employed by local, state, or federal government.
AAn emergency medical technician, paramedic, volunteer law enforcement officer or firefighter engaged by local, state, or federal government also is considered a first responder.
Renumber sections to conform.
Amend title to conform.
WILLIAM HERBKERSMAN for Committee.
_______ A bill 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.
----XX---- This web page was last updated on FebruaryDecember 26,06, 20252024 at 08:4410:58 PMAM
Action History
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Act No. 133
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Effective date 05/15/26
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Signed By Governor
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Ratified R 172
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Read third time and enrolled
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Roll call Ayes-43 Nays-0
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Read second time
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Committee report: Favorable Banking and Insurance
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Referred to Committee on Banking and Insurance
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Introduced and read first time
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Read third time and sent to Senate
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Unanimous consent for third reading on next legislative day
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Roll call Yeas-113 Nays-0
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Read second time
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Amended
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Member(s) request name added as sponsor: Gibson
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Committee report: Favorable with amendment Labor, Commerce and Industry
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Member(s) request name added as sponsor: M.M.Smith, Davis, Holman, B.L.Cox, Ligon
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Referred to Committee on Labor, Commerce and Industry
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Introduced and read first time
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Referred to Committee on Labor, Commerce and Industry
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Prefiled
Sponsors
- Representative Thomas E. "Tommy" Pope · Primary
- Representative Leon D. "Doug" Gilliam · Primary
- Representative M. Brian Lawson · Primary
- Representative Donald G. "Don" Chapman · Primary
- Representative Fawn M. Pedalino · Primary
- Representative John R. McCravy III · Primary
- Representative Sylleste H. Davis · Primary
- Representative Harriet A. Holman · Primary
- Representative Brandon L. Cox · Primary
- Representative Thomas R. "Randy" Ligon · Primary
- Representative Daniel Gibson · Primary
- Representative Marvin "Mark" Smith · Primary
Sponsorship breakdown
Export CSV (upgrade) →12 sponsors · 0 co-sponsors · 158 not signed on
Sponsors (12)
- Representative Thomas E. "Tommy" Pope
- Representative Leon D. "Doug" Gilliam
- Representative M. Brian Lawson
- Representative Donald G. "Don" Chapman
- Representative Fawn M. Pedalino
- Representative John R. McCravy III
- Representative Sylleste H. Davis
- Representative Harriet A. Holman
- Representative Brandon L. Cox
- Representative Thomas R. "Randy" Ligon
- Representative Daniel Gibson
- Representative Marvin "Mark" Smith
Co-sponsors (0)
None.
Not signed on (158)
158 members have not signed on to this bill.
Show all 158 →"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.
Votes
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| Unaffiliated | 43 | 0 | 0 | 3 |
| Total | 43 | 0 | 0 | 3 |
| % of votes cast | 93% | 0% | 0% | 7% |
How each member voted (46)
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| Unaffiliated | 108 | 0 | 0 | 9 |
| Republican | 2 | 0 | 0 | 0 |
| Democrat | 2 | 0 | 0 | 0 |
| Total | 112 | 0 | 0 | 9 |
| % of votes cast | 93% | 0% | 0% | 7% |
How each member voted (121)
Subjects
Frequently asked questions
- What does H 3259 do?
- 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. - RATIFIED TITLE
- Who sponsors H 3259?
- H 3259 is sponsored by Representative Thomas E. "Tommy" Pope, Representative Leon D. "Doug" Gilliam, Representative M. Brian Lawson, Representative Donald G. "Don" Chapman, Representative Fawn M. Pedalino, Representative John R. McCravy III, Representative Sylleste H. Davis, Representative Harriet A. Holman, Representative Brandon L. Cox, Representative Thomas R. "Randy" Ligon, Representative Daniel Gibson, and Representative Marvin "Mark" Smith.
- What is the current status of H 3259?
- This bill has been enacted into law. Introduced December 05, 2024. Enacted.
- Where can I track H 3259?
- Track H 3259 free on One Click Politics — get push/email alerts when it moves.
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