Constitutional Law-The Fourteenth Amendment

There are numerous other amendments passed over the years that are significant. Perhaps the most important of those is the Fourteenth Amendment—one of the post-Civil War amendments ratified in 1868. This Amendment contains several clauses, the most important of which is the so-called Due Process Clause, which expressly indicates that no state shall deprive any person of life, liberty, or property without due process of law.

You may recall that within the Fifth Amendment there is a due process clause. That due process clause, as is true of the first ten amendments, was deemed to be a restriction of federal power and not state power. This meant that the federal government could not deprive any person of life, liberty, or property without due process of law. That restriction, however, did not apply to the states until the enactment of the Fourteenth Amendment. Through the eventual interpretation of the Due Process Clause contained within the Fourteenth Amendment, most of the rights contained within the Bill of Rights were deemed to be no longer simply a restriction on federal power but also on state power. This means that those rights contained within the Bill of Rights apply to citizens not only when dealing with the federal government, but now also when dealing with state and local governments.

The Fourteenth Amendment also contains what is known as the Equal Protection Clause. It states that governmental authority may not be used to deny any person equal protection of the laws. Over time, that equal protection clause was interpreted to preclude governmental authority from denying black citizens the same protection of the laws as were accorded to white citizens.
 

Constitutional Law-The Bill of Rights

The first ten amendments to the Constitution are referred to as the Bill of Rights. They contain many of the most fundamental rights enjoyed by the American people.

The First Amendment states that Congress has no authority to make any law “respecting an establishment of religion or prohibiting the free exercise of religion.” It further states that Congress can do nothing to restrict freedom of speech or freedom of press, or the right of the people to peaceably assemble and to petition the government.

The Second Amendment deals with the right to bear arms, but is written in the context of bearing arms as part of a regulated militia.

The Third Amendment states that the government cannot, in time of peace, quarter soldiers in a private home without the consent of the owner. In time of war, the government may only do so in a manner prescribed by law.

The Fourth Amendment deals with unreasonable searches. It expressly states that people shall be secure in their persons, houses, and papers from unreasonable searches and seizures by governmental authorities. It further states that search warrants may be issued only upon a finding of probable cause. That means there must be a determination made, based upon substantial, believable evidence, that the person to be searched has committed a crime or the place to be searched contains evidence of a crime.

The Fifth Amendment defines the concept known as double jeopardy, which means that a person cannot be tried twice for the same crime. That same Amendment further sets forth the right against selfincrimination—that a person cannot be made to testify against him- or herself. This Amendment also contains the foundation of the Due Process Clause, which states that a person cannot be deprived of life, liberty, or property without due process of law.

Due process is a critical concept to our entire legal system. It requires two things:

1. a person must be given notice of the charges or claims made against him or her and

2. a person must be given an opportunity to answer those charges or claims before he or she can be deprived of life, liberty, or property.

The Sixth Amendment provides for the right to a speedy trial and the right to a jury trial in a criminal proceeding. This Amendment further sets forth the right to confrontation in a criminal case, meaning that a person accused of a crime has the right:

* to confront the witness who is making the claim against him or her;
* to compel witnesses in his or her favor to appear in court and give testimony; and,
* to be represented by a competent lawyer in the defense of that criminal charge.

The Seventh Amendment preserves the right to have a jury trial in certain civil cases.

The Eighth Amendment prohibits excessive bail and further disallows punishment that is deemed to be cruel and unusual. This Amendment has been used to argue against capital punishment and other forms of punishment over the years.

The Ninth Amendment states that just because certain rights are set forth in the Constitution does not mean they are the only rights people have. That is to say, whatever other rights the people have, they still retain.

The Tenth Amendment limits the power of the federal government by stating that powers not delegated to the United States Government by the Constitution and not prohibited by the Constitution to the states are expressly reserved to the states or to the people. The initial framers of the Constitution viewed the U.S. Government as a government of limited authority. Whatever authority was not placed in the United States Government rested with the states.
 

Constitutional Law-The Articles of the Constitution

Article One of the U.S. Constitution sets forth the powers of the U.S. Congress. It specifies that there shall be a House of Representatives and a Senate, and defines how those members shall be elected and compensated. It also sets forth general powers and limitations of those legislative bodies.

Article Two of the U.S. Constitution states that the executive power of the government shall be vested in the President. It then defines the extent of that executive power, how the president shall be elected, and what his or her qualifications for office shall be.

Article Three of the U.S. Constitution states that the judicial power of the United States shall be vested in the Supreme Court, as well as inferior courts Congress may establish. The model created in the first three articles of the Constitution is a system of checks and balances. Each branch of government is considered to be equal, and each one in different respects has the ability to check and to balance the others. For instance, the legislative branch has the authority to enact legislation. That legislation is then sent to the president who, as the head of the executive branch, can veto the legislation. The legislative branch may then override that veto. If the law is passed (actually becomes law), then it can be reviewed by the judicial branch for purposes of determining whether it is constitutional and for purposes of interpreting the law. If the legislative branch, for whatever reason, does not like the interpretation imposed on the law by the judicial branch, then it can amend the law so as to expressly state how the law should be interpreted.

Article Four of the U.S. Constitution defines the concept known as Full Faith and Credit, which means that the public acts, records, and judicial proceedings of any one state shall be given full faith and credit in every other state in the union. This Article further defines the term known as privileges and immunities, which means that the citizens of each state shall be entitled to all the same privileges and immunities as the citizens of any other state. The privileges and immunities clause precludes one state from granting certain privileges or immunities to its citizens that would not apply to citizens of other states. For instance, Minnesota could not grant Jesse “The Body” Ventura the sole right to conduct wrestling matches in that state to the exclusion of all persons who were not citizens of Minnesota. To allow that would be a violation of the privileges and immunities clause.

Article Five of the U.S. Constitution provides for amendments to the Constitution.

Article Six of the U.S. Constitution states that this Constitution and the laws of the United States made pursuant to the Constitution shall be the supreme law of the land. That means that if there is any conflict between federal law and state law regarding an issue that the federal government has the right to legislate, then federal law will always be supreme.

Article Seven of the U.S. Constitution provides that nine states are needed to ratify the Constitution before it becomes effective.
 

Constitutional Law-The Constitution is a Contract

The U.S. Constitution is a contract, or an agreement of the people of this land. It sets forth certain basic rights of the people that cannot be taken away and defines the powers of the governmental authority. The U.S. Constitution truly is the foundation of our entire legal system. Some people would say that the rights we enjoy in this country are natural rights, and that the Constitution is simply a clarification of those rights and a limitation on the power of the government to infringe on those rights. Others say that the Constitution itself is the actual source of the rights. But that theoretical argument is probably of little significance to the reader. What is important to remember about the Constitution is that it does set forth the essential composition of our government and how it can interact with us as citizens.

Try a quick test of your knowledge of constitutional law at this point. Suppose your next door neighbor breaks into your home looking for something that he thinks you may have stolen from him. The neighbor conducts a thorough and obviously unreasonable search of your premises without a warrant. Is that a constitutional violation?

Constitutional violations can only be committed by the government or its representatives.

Hopefully you said “no” to answer that question. The Constitution is a compact between the people and the government. Constitutional violations can only be committed by the government or its representatives. As such, one citizen violating the rights of another citizen is not a constitutional violation at the federal or state level. Your neighbor has violated state law, and he can be charged with that state law violation and also could be sued civilly for trespassing and for damaging your property.

The most important point to keep in mind regarding the U.S. Constitution is that it is the basic framework or foundation upon which our legislative, judicial, and executive branches are built. It defines certain basic rights that the people have and that no governmental authority can take away. The framers of the U.S. Constitution wished to define the authority of government and then place in the people all rights that were not specifically bestowed upon the government.
 

Constitutional Law

The Constitution that most of us are familiar with is the U.S. Constitution. In addition to the U.S. Constitution, all fifty states have their own state constitutions. To some extent, these are modeled after the U.S. Constitution—but may vary from it. The state constitutions may give the people of that state greater rights than the U.S. Constitution bestows upon them, but it cannot restrict the rights guaranteed by the U.S. Constitution. The U.S. Constitution in that respect is supreme, but more importantly, the U.S. Constitution sets minimum standards that must be complied with by all governmental officers in dealing with the people.

The U.S. Constitution is divided into seven articles and twenty-seven amendments. The Constitution begins with the words—

We, the people of the United States, in order to form a more perfect union, establish justice, insure domestic tranquility, provide for the common defense, promote the general welfare and secure the blessings of liberty to ourselves and our posterity, do ordain and establish this Constitution for the United States of America.

Insurance-Insurance Agents

Most insurance is sold through insurance agents. Insurance agents are frequently referred to as dual agents. That is, they are both an agent of the company that underwrites the insurance policy and also the person who applies for the insurance policy. To say that they are a dual agent means that they have certain duties to each party—certain duties to the underwriter and also certain
duties to the insured.