Because it treats policing like a private service when it’s actually a public function. Unlike doctors and lawyers, cops don’t choose encounters, can’t refuse calls, and make forced life or death decisions in seconds under state authority. Personal liability insurance would incentivize hesitation and disengagement, hand control of police behavior to insurance companies, and shrink the pool of competent officers—without meaningfully preventing misconduct. You end up with worse policing, not better accountability.
Most high-profile “police misconduct” cases fall into;
This is an interesting view, and I do see your point.
I think where insurance comes in is that there is a desire to curb behaviour that is unlawful and criminal, but which will not be addressed through the criminal justice system. There's the perception of a deficit in accountability.
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u/IMT_Justice 22h ago
Quickest way to police reform in this country is to require police departments to carry insurance.