Here is a fascinating concept.
Given that police misconduct costs taxpayers millions of dollars, and a small percentage of the police are responsible for the bulk of these costs, how about requiring police officers to carry their own liability insurance, just as doctors are:
In almost every city across the US, tax dollars are used to cover the damages and settlements from lawsuits filed against their police departments due to officer misconduct. Taxpayers in essence pay out massive amounts in damages for officers not doing their job properly. Additionally, the cost is compounded because taxpayers are forced to continue paying the salaries of these criminal cops.
City officials don’t have the guts to hold officers accountable for their actions. So a new approach is necessary to hold rogue officers responsible for their conduct.
Just like doctors have to carry malpractice insurance, police officers should be required to carry professional liability insurance as a condition of employment.
Similarly to how other professionals, such as doctors who are sued too many times become uninsurable, the demands of professional liability insurance will ensure risk reduction takes place. Meaning basically that if city officials won’t hold police accountable for their actions an insurance company on the hook for large police misconduct payouts certainly will.
Problem officers would find their rates up until eventually they would become uninsurable, a wonderful way to have problem officers forced out of policing entirely.
To avoid running into problems with union contracts, the strategy would allow cities to fund the base rate of the coverage, and officers funding any additional costs that would be associated with their claims history.
In most cities, and Minneapolis in particular, it has been found that a handful of officers are responsible for the majority of complaints and lawsuits regarding police brutality.
Here is a quick rundown of how it would work:
- Out of Control Cops: Evil.
- Insurance Companies: Evil.
- Insurance companies vs. Out of Control Cops: Pass the Popcorn.