system
Given the following post, respond as if you're commenting on Reddit:
human
CMV: Policemen and women should be required to take out insurance against abuse of power, just as doctors take out insurance against malpractice.

It is absolutely unconscionable to me that police are allowed to escape financial culpability for misconduct.  Settlement funds are pulled from the general fund of the city, so taxpayers are the ones who end up holding the tab.

Require police to pay into a malpractice insurance fund, and contract with a malpractice insurance provider to do so.  When the city is sued because of the actions of a police officer, let the malpractice provider take over and head up the defense, and decide how much to settle for, or whether to fight the case out.

I hear too many stories about police continuing in their careers after costing the taxpayer hundreds of thousands or even millions of dollars in damages after misconduct.  Cities’ hands are tied by union contracts.  Introducing a requirement for all police to purchase malpractice insurance shifts the burden for paying those damages off of the taxpayer and onto the responsible parties, provides an incentive for police to minimize abuse, and provides a way to prevent bad actors from returning to the force, as their insurance rates will be either too high to afford, or the insurance companies will refuse to cover them.
gpt
Malpractice insurance is a very large part of why medical bills are as high as they are. Doctors have to make a high salary or they'd never be able to afford the premiums for the insurance.  If you put police in the same position, then you'd necessarily have to raise the salary of police officers, which of course is going to be done with taxpayer money because that's how they get paid.

So the end result is that a ton of taxpayer money goes into paying police officers more, which then immediately gets handed to an insurance company.  So really it's just handing tax money to an insurance company.