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.
Stay informed with current resources, guides, and insights that explain the issues and outline the pathways for real insurance reform.
When South Carolina lawmakers passed H.3430 in 2025, supporters framed it as a much-needed fix to a broken system. Some even suggested it would help bring down insurance costs. But here’s the uncomfortable truth: this law was never likely to lower premiums — and so far, it hasn’t. That doesn’t mean the bill did nothing. […]
South Carolina families and small businesses are being crushed by record insurance premium hikes, even as insurers post multi-billion-dollar profits and executives push lawmakers to limit consumer rights through so-called “tort reform.” But the record from the state’s own Ad Hoc Insurance Rate Review Committee tells a different story — one of profit cycles, opaque […]
Every time premiums go up, we hear the same pitch: limit lawsuits, cap damages, cut what Big Insurance has to pay — and costs will come down. In South Carolina, that argument gets packaged as so-called “tort reform” and sold as a common-sense solution to rising costs. Before we accept that premise, we should review […]
In South Carolina, your right to a jury of your peers is under threat — and it’s coming from the very industries that claim to protect you. The right to a civil jury trial, guaranteed by the 7th Amendment to the U.S. Constitution, is one of the most important protections Americans have. It ensures that […]
Why are premiums so high in South Carolina? A) Rates rise when the “insurance cycle” turns Insurance pricing tends to move in cycles: Doug Heller’s presentation framed this as a repeating pattern: rate hikes + restrictions + calls for tort reform often follow changes in interest rates. B) Premiums aren’t only about storms—pricing choices matter […]