Scored 8/10 on whether it helps or hurts everyday people.
The Insurers Answer Bill
South Carolina bill makes insurers answer for refusing fair settlements
Bad faith presumption in insurance settlements
Good for everyday people ·
If passed, insurers that turn down a settlement within policy limits could be assumed to act in bad faith, letting claimants sue them more easily.
Our take
What we think, in plain words.
The bill would pressure insurers to accept reasonable settlement offers, protecting policyholders from costly lawsuits and encouraging fair deals, but insurers may raise premiums to cover the added risk.
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The facts
What the bill actually says, no spin.
- Creates a rebuttable presumption of bad faith when an insurer refuses a settlement within policy limits.
- Applies only if the claimant, defendant, and their lawyers sign a settlement agreement.
- Insurers can rebut the presumption by showing a valid legal or factual defense.
- Allows the settlement agreement to be used as evidence in a later bad‑faith lawsuit.
- Does not change any other rights or defenses in the original liability case.
In the news
Scanning the news for this bill…
Headlines gathered from across the news, starting points to explore, not endorsements. Always read the official text before acting.
Sources
Read it yourself: the official bill and records.
This bill is in the South Carolina Bill Book 2026
The best and worst South Carolina bills of 2026, one page each — our take on the left, the bill on the right, and room for your notes. No email needed.
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