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6. Will the plaintiff's suit succeed?
The plaintiff is a resident of the county who was charged the higher rate by the insurance company because of the location of her residence. The plaintiff sues the insurance company, alleging that the differential in insurance rates unconstitutionally denies her the equal protection of the law.
Insurance is provided in a particular state only by private companies. Although the state insurance commissioner inspects insurance companies for solvency, the state does not regulate their rates or policies. An insurance company charges higher rates for burglary insurance to residents of one part of a county in the state than to residents of another section of the same county because of the different crime rates in those areas.
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A is incorrect. This choice assumes that the Constitution prohibits differential treatment by private companies. Moreover, the plaintiff is suing the insurance company, not the police, for a violation of equal protection. The equal protection violation here would be caused by the police.
B is incorrect. Generally, private discrimination does not violate the Constitution.
D is incorrect. The Constitution only restricts private action in extremely specific circumstances, none of which are present in this situation.