Jackson v. IDS Property and Casualty Insurance Co., 1:14-cv-00524

Pro se plaintiff Melindia Jackson sues IDS Property and Casualty Insurance Co. for no-fault benefits denial from a May 14, 2011 accident.
This is Jackson's second federal case against a no-fault carrier; a prior case (1:14-cv-229) was recommended for dismissal for lack of federal claim.
Plaintiff asserts federal claims under 42 U.S.C. § 1983 and ADA retaliation.
The defendant is a private insurance company; no state actor involvement is alleged.
The court grants in forma pauperis status but must screen for frivolous or fail-state claims under 28 U.S.C. § 1915(e)(2).
Court recommends dismissal of federal claims with prejudice and state-law claims dismissed without prejudice for lack of jurisdiction.

Issue	Plaintiff's Argument	Defendant's Argument	Held
Whether Jackson states a plausible federal claim.	Jackson, as pro se, asserts §1983 and ADA claims against a private insurer.	IDS is not a state actor; §1983 and ADA claims lack state action and statutory basis.	No plausible federal claim; recommended dismissal.

Neitzke v. Williams, 490 U.S. 319 (U.S. 1989) (frivolous-informa pauperis standard; baseless claims are dismissed)
Twombly, 550 U.S. 544 (U.S. 2007) (plausibility pleading standard)
Iqbal, 556 U.S. 662 (U.S. 2009) (pleading must show plausible entitlement to relief)
Haines v. Kerner, 404 U.S. 519 (U.S. 1972) (pro se pleadings are to be construed liberally)
Ashcroft v. Iqbal, 556 U.S. 662 (U.S. 2009) (clarified pleading standard for federal claims)