Scored 5/10 on whether it helps or hurts everyday people.
The Liability Insurance Bill
Boaters over 70 hp must buy $50k liability insurance
Watercraft Liability Insurance
Mixed: some good, some bad ·
If passed, owners of boats bigger than 70 horsepower in South Carolina would have to carry at least $50,000 liability insurance or face fines and possible jail.
Our take
What we think, in plain words.
The bill makes boat owners pay for insurance, protecting others from unpaid damages, but adds a new cost and penalty, so voters should weigh safety versus expense now.
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The facts
What the bill actually says, no spin.
- Owners of watercraft over 70 horsepower must have at least $50,000 liability coverage.
- Proof of insurance can be shown on a phone or paper.
- First offense fines range $50‑$250; second $250‑$500; third $500‑$1,000 plus possible jail.
- All fines go to a state boater safety and training program.
How they voted
The actual floor vote, and who broke from their own party.
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- Michael Gambrell (R): voted for it, crossing most Republicans
- Rex Rice (R): voted for it, crossing most Republicans
- Thomas Young (R): voted for it, crossing most Republicans
- Thomas Alexander (R): voted for it, crossing most Republicans
- George Campsen (R): voted for it, crossing most Republicans
- Ronnie Cromer (R): voted for it, crossing most Republicans
- Thomas Davis (R): voted for it, crossing most Republicans
- Luke Rankin (R): voted for it, crossing most Republicans
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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