Quote (thesnipa @ Sep 24 2020 10:36am)
frankly i dont think that math works out, that insurance cost seems extremely high.
just as an example say a city like chicago spends 10m$ settling lawsuits in payouts, and several million more litigating the lawsuits.
13,138 uniformed police officers
12m$/13,138 officers = 913$/officer.
and with insurance companies taking over the litigation the city saves even more.
that's of course simplified, as risk pools in insurance aren't magically coded into city lines. so smaller areas and suburbs would absorb even more risk. even with insurance companies taking a sizeable profit i dont see that type of pricetag. plus there are incalculable benefits such as the city not having to shamefully pay off families with dead bodies, or play the "how much is enough that we wont get bad PR". insurance would handle that, and corporations are known to be greedy and have plenty of experience taking flack on that. additionally increases in insurance premiums would price out some cops, meaning the city wouldnt have to make a call to fire someone.
And officers in those small suburbs would presumably get lower rates.
Quote (Surfpunk @ Sep 24 2020 10:37am)
The city of Louisville just settled for $12 million in the Breonna Taylor case. LMPD has approximately 900-1000 duty officers. That's around $12,000 per officer that the settlement is costing Louisville taxpayers.
Now imagine that on top of these costs, we have insurance companies making profit. Sounds like we'd be getting screwed.