Municipal Association of South Carolina v. Government Employees Insurance Company, GEICO Casualty Company, GEICO Choice Insurance Company, General Insurance Company, GEICO Insurance Company, and GEICO Secure Insurance Company

CourtDistrict Court, D. South Carolina
DecidedNovember 12, 2025
Docket3:25-cv-03780
StatusUnknown

This text of Municipal Association of South Carolina v. Government Employees Insurance Company, GEICO Casualty Company, GEICO Choice Insurance Company, General Insurance Company, GEICO Insurance Company, and GEICO Secure Insurance Company (Municipal Association of South Carolina v. Government Employees Insurance Company, GEICO Casualty Company, GEICO Choice Insurance Company, General Insurance Company, GEICO Insurance Company, and GEICO Secure Insurance Company) is published on Counsel Stack Legal Research, covering District Court, D. South Carolina primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

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Municipal Association of South Carolina v. Government Employees Insurance Company, GEICO Casualty Company, GEICO Choice Insurance Company, General Insurance Company, GEICO Insurance Company, and GEICO Secure Insurance Company, (D.S.C. 2025).

Opinion

IN THE UNITED STATES DISTRICT COURT DISTRICT OF SOUTH CAROLINA

Municipal Association of South Carolina, C/A No. 3:25-cv-3780-JFA

Plaintiff, v. Government Employees Insurance MEMORANDUM OPINION AND Company, GEICO Casualty Company, ORDER GEICO Choice Insurance Company, General Insurance Company, GEICO Insurance Company, and GEICO Secure Insurance Company,

Defendants.

This matter is before the Court on Defendants’ Motion to Dismiss pursuant to Federal Rule of Civil Procedure 12(b)(6). (ECF No. 17). Defendants allege Plaintiff is exceeding the authority permitted by statute. Plaintiff Municipal Association of South Carolina (“Plaintiff” or “MASC”) filed a response in opposition (ECF No. 26), to which Defendants filed a reply (ECF No. 28). Therefore, this matter is ripe for review. For the reasons discussed herein, Defendants’ Motion to Dismiss is denied. I. RELEVANT BACKGROUND This case involves a South Carolina municipality’s authority to contract with a third party to impose a business license tax on insurance companies. Plaintiff is a non-profit organization made up of virtually all South Carolina municipalities. (ECF No. 1 ¶ 1). According to Plaintiff, one of its functions is to administer the Insurance Tax Program (“ITP”) and collect a 2% tax on gross premiums collected by insurance companies on behalf of Plaintiff’s municipal members (“Participating Municipalities”). Id. ¶¶ 14-16. MASC’s authority is set forth by city ordinances incorporating contractual agreements between MASC and Participating Municipalities. Plaintiff attached the City of

Charleston’s ordinance to the Complaint as an example of the typical ordinance. (ECF No. 1-2). Charleston’s ordinance directs the city to apply to participate in MASC’s Local Revenue Services (“LRS”)1 and, if approved, enter into an agreement substantially conforming to a sample agreement attached to the ordinance (the “LRS Agreement”). Id. at 3, § 1). The LRS agreement provides that “LRS may, and at the direction of and subject to the control of the LRS Board of Directors shall, establish or continue one or more

Revenue Service Programs including, without limitation, for the administration, assessment, collection, and enforcement of Statewide Business License Taxes and other Impositions related to Statewide Business License Taxes.” (ECF No. 1-3 at 4, § 5). The agreement defines “Imposition” as “any tax, fee, rate, charge, fine, penalty, or interest charge that has been lawfully imposed by a Participant and for which a Revenue Service

Program has been established.” Id. at 3, §1(d). As part of its administration of ITP, Plaintiff contends it “requires documentation of amounts due from the insurance company, including Reconciliation Reports, in which the

company provides information to verify whether revenues of the company are appropriate for exclusion as non-municipal revenues and for [MASC] to determine the proper allocation of taxes, fees, fines, or penalties.” (ECF No. 26 at 2). Plaintiff alleges that Defendants have reported and paid on time but failed to send the required Reconciliation

1 Local Revenue Services is a division of MASC. Reports for the past seven years despite multiple requests. (ECF No. 1, ¶¶ 26-27). Despite stating Defendants report and pay on time, Plaintiff insists Defendants have failed to pay

the full amount of business license taxes on these policies for license years 2021-2024. Id. ¶ 30. Plaintiff seeks unpaid taxes and penalties from Defendants. Id. ¶¶ 33-34. The Complaint sets forth two specific causes of action: (1) collection of unpaid taxes, and (2) collection of unpaid penalties. Id.

II. LEGAL STANDARD A complaint may be dismissed if it fails to state a claim upon which relief can be granted. Fed. R. Civ. P. 12(b)(6). Federal Rule of Civil Procedure 8(a)(2) requires a complaint to contain “a short and plain statement of the claim showing that the pleader is entitled to relief.” Under Rule 8, the complaint must contain sufficient factual matter,

accepted as true, to state a claim that is plausible on its face to survive a motion to dismiss. See Ashcroft v. Iqbal, 556 U.S. 662, 678 (2009); Atlantic Corp. v. Twombly, 550 U.S. 544, 580 (2007). In reviewing the adequacy of a complaint, a court “should accept as true all well- pleaded allegations and should view the complaint in a light most favorable to the

plaintiff.” Mylan Labs., Inc. v. Matkari, 7 F.3d 1130, 1134 (4th Cir. 1993). The reviewing court need only accept as true the complaint’s factual allegations, not its legal conclusions. Iqbal, 556 U.S. at 678; Twombly, 550 U.S. at 555. Ultimately, “a motion to dismiss for failure to state a claim should not be granted unless it appears certain that the plaintiff can prove no set of facts which would support its claim and would entitle it to relief.” Mylan Labs., 7 F.3d at 1134.

III. ANALYSIS Defendants’ Motion to Dismiss argues Plaintiff’s claims: (A) are based on a delegation of powers that exceed cited statutory authority; (B) are not cognizable claims under South Carolina law; and (C) are barred by the applicable statute of limitations. (ECF No. 17). Additionally, at the hearing for Defendants’ Motion to Dismiss held before this Court on August 27, 2025, Defendants alleged the case should be dismissed because

Plaintiff failed to exhaust its required administrative remedies. After carefully reviewing the respective briefing and arguments made at the hearing, this Court requested additional briefing on two issues. First, whether Plaintiff was required to and failed to exhaust its administrative remedies pursuant to S.C. Code Ann. § 6-1-410; and second, whether the circumstances in this case warrant abstention under Burford v. Sun Oil Co. 319 U.S. 315

(1943). Id. Supplemental briefs from both parties have been received and carefully reviewed. (ECF Nos. 43 & 47). A. MASC’s Authority

Defendants do not challenge the broad powers of municipalities in this State, including the power to contract out certain functions to third parties. (ECF No. 28, ¶ 2). “Rather, Defendants dispute the scope of the powers which can be contracted out under Plaintiff’s cited statutory authority.” Id. (emphasis added in original). Defendants contend

MASC does not have the statutory authority to collect delinquent taxes or penalties, to demand reconciliation reports, or to engage in litigation to collect delinquent payments. However, the authority delineated by the relevant statutes relates to the powers of

municipalities, not MASC. Instead, MASC’s purported authority is granted through municipal ordinances and contractual agreements. Because the ordinances, in conjunction with the terms of the agreements, specifically convey these powers, Defendants are in substance challenging the validity of these ordinances.

1. MASC’s Authority to Collect Delinquent Taxes and Penalties Defendants contend MASC does not have the authority to collect unpaid taxes and unpaid penalties. At this stage, the Court is limited to the allegations set forth in the

Complaint and the attachments thereto. Defendants’ contentions require this Court to review the ordinances and contractual agreements to determine the scope of authority granted therein.

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