
Dazed
@_Dazed
6 Years10,000+ Posts
Comments: 9549 · Posts: 12626 · Topics: 250


Posted by sagaciouscorp
I’m not sure it’s just another insurance company making money.




Posted by brianafay
I see where they were going with that, but it wouldn’t work out in the long run
As you know, my husband owns a repossession company, which is one of the most uninsurable industries because of the nature of the work. It’s very difficult to even get insurance, it’s obscenely expensive, and you can’t use it anyway because even one claim and they’ll drop you and you’re lucky if anyone else will insure you after that. At the same time, the banks and lenders require repo companies to carry the insurance in order to pick up work from them. It does hold the companies accountable because they know they have to do shit by the book, do a good job vetting their employees, and stay on top of them to make sure they’re not crossing any lines legally etc
However, in this instance, requiring cops to carry personal liability insurance isn’t going to work long term because even though it might help hold them accountable, what’s going to happen Is you’re going to have a lot of people filing bullshit claims against them because they are pissed they got stopped/arrested. Everybody’s salty after a run in with the cops, even if the cop did everything by the book...not to mention all the people just looking to cash out.

Posted by _DazedPosted by brianafay
I see where they were going with that, but it wouldn’t work out in the long run
As you know, my husband owns a repossession company, which is one of the most uninsurable industries because of the nature of the work. It’s very difficult to even get insurance, it’s obscenely expensive, and you can’t use it anyway because even one claim and they’ll drop you and you’re lucky if anyone else will insure you after that. At the same time, the banks and lenders require repo companies to carry the insurance in order to pick up work from them. It does hold the companies accountable because they know they have to do shit by the book, do a good job vetting their employees, and stay on top of them to make sure they’re not crossing any lines legally etc
However, in this instance, requiring cops to carry personal liability insurance isn’t going to work long term because even though it might help hold them accountable, what’s going to happen Is you’re going to have a lot of people filing bullshit claims against them because they are pissed they got stopped/arrested. Everybody’s salty after a run in with the cops, even if the cop did everything by the book...not to mention all the people just looking to cash out.
I'm failing to see how this is any different from malpractice insurance for physicians. There are literally claims and lawsuits filed against them every day.click to expand


Posted by _DazedPosted by Aria1
Hire more female officers?
Female officers are just as bad.click to expand

Posted by _Dazed
And police misconduct in general.
Please watch and offer your thoughts.

Posted by Scheherazade
Insurance is retroactive not proactive.

Posted by ScheherazadePosted by VenusAquariusPosted by Scheherazade
Insurance is retroactive not proactive.
If it's required for employment, then it can serve a more "proactive" purpose. Keep fucking up, lose insurance, can't be hired.
Like another user said it will most likely be used as motivation to cover up things even more.
I’d rather find strategies to prevent deaths or suffering before they happen.click to expand

Posted by ScheherazadePosted by VenusAquariusPosted by ScheherazadePosted by VenusAquariusPosted by Scheherazade
Insurance is retroactive not proactive.
If it's required for employment, then it can serve a more "proactive" purpose. Keep fucking up, lose insurance, can't be hired.
Like another user said it will most likely be used as motivation to cover up things even more.
I’d rather find strategies to prevent deaths or suffering before they happen.
Insurance agencies investigate too... and at some point, enough incidents whether vrai ou faux, you done - cancelled.
What they talked about today was a full mental evaluation, polygraph before being hired and yearly check ups.click to expand



Posted by brianafayPosted by _DazedPosted by brianafay
I see where they were going with that, but it wouldn’t work out in the long run
As you know, my husband owns a repossession company, which is one of the most uninsurable industries because of the nature of the work. It’s very difficult to even get insurance, it’s obscenely expensive, and you can’t use it anyway because even one claim and they’ll drop you and you’re lucky if anyone else will insure you after that. At the same time, the banks and lenders require repo companies to carry the insurance in order to pick up work from them. It does hold the companies accountable because they know they have to do shit by the book, do a good job vetting their employees, and stay on top of them to make sure they’re not crossing any lines legally etc
However, in this instance, requiring cops to carry personal liability insurance isn’t going to work long term because even though it might help hold them accountable, what’s going to happen Is you’re going to have a lot of people filing bullshit claims against them because they are pissed they got stopped/arrested. Everybody’s salty after a run in with the cops, even if the cop did everything by the book...not to mention all the people just looking to cash out.
I'm failing to see how this is any different from malpractice insurance for physicians. There are literally claims and lawsuits filed against them every day.
Well, for one, you elect to have a medical procedure done (you don’t exactly elect to be arrested) ...and a lot of times you sign a consent form (that I’m sure the insurance companies require) saying you understand the risks and agree not sue...and I’m not sure the exact statistics but I thought way less than half malpractice claims are won/paid out.
When an insurance company has to start actually paying out, the price goes up, it becomes unaffordable, and nobody wants to write those policies anymore. Cops hardly make any money as it isclick to expand

Posted by Aria1Posted by _DazedPosted by Aria1
Hire more female officers?
Female officers are just as bad.
Just as "bad" as what?click to expand

Posted by poeticseraphim
Its clear some of your police are members of covert organized racist organizations and are planning something. They also have a political bias. I would not be surprised if they wish to keep trump in power and will help him.
THE only sane solution is to disarm the police and gradually replace them with something else. At least in some states.
Ask yourselves HOW can they risk letting trump out of power now after all that happened in the last few days?
How can Trump risk letting go of power? He can't he HAS to hold on to it or he will end up in prison.
Also its not too far from spraying nine yr olds with pepper spray shooing rubber bullets at press beating people ...and killing black people ...to rounding up a whole load of people around a corner ...and well

Posted by Black-Mamba
I think for any infraction where there seems to be bias they get docked in pay and docked in their future earnings for pensions....
money talks.

Posted by ScheherazadePosted by VenusAquariusPosted by Scheherazade
Insurance is retroactive not proactive.
If it's required for employment, then it can serve a more "proactive" purpose. Keep fucking up, lose insurance, can't be hired.
Like another user said it will most likely be used as motivation to cover up things even more.
I’d rather find strategies to prevent deaths or suffering before they happen.click to expand

Posted by Piscis_Hominis
There are simply many ways for a person to be injured/killed where police are involved.

Posted by Piscis_Hominis
Malpractice Insurance for doctors is expensive. I'm not sure how it works in every jurisdiction but I believe there are limits to premiums and payouts. I believe that for the most part a doctor has to pay his/her own insurance premiums, but, a private hospital, for instance, can increase the salary/bonuses/etc. for a doctor to lure them from another jurisdiction, say from Canada to a specific US state.
Considerations on Police Officers having to pay for such malpractice insurance:
- would you have to increase salaries?
- would some individuals would make excellent, honest police officers avoid the profession due to the increased expense and subsequent liability? (let's say a frivolous lawsuit results in a payout, and increase in future premiums?)
- since cops carry guns in their jobs, there is a substantial risk of someone being injured/killed due to the nature of the profession? (what about high speed car chases, suicides, etc..) There are simply many ways for a person to be injured/killed where police are involved.
- would bad cops be more motivated to engage in criminal activity to offset a perceived loss in income? (just saying the bad cops might just do more to offset their risk, while the good cops suffer)
- I can just see the whole thing being very complicated with the unions, regulators, insurance companies, municipalities, lawyers, etc. being involved
What do I think should be done?
I think that there has to be a reanalysis and streamlining of protocols/procedures/criteria/processes involved in police hiring and training. I think that police forces are looking too much for certain types of males for example, who won't take butter from others. Their psychological testing may be faulty as well. They should also do more extensive background checks and should be monitoring cops after they are hired too. You might not want a cop who has associations with white supremacy groups for example. This would cost money.
Other considerations:
- more money and support for PTSD and other mental health care for law enforcement
- access to anonymous tipping for officers who might be at-risk or risky
- go after their salaries, pensions, and benefits
- get credible law enforcement and judicial veterans (and civilians) to be part of the process to oversee cops, working with forces, municipalities (other jurisdictions) , unions, etc. (acknowledging with more layers/people involved there is more opportunity to corruption/nepotism/etc
I just think there are cops out there who should never have been cops. There are cops out there that may have been OK to have been hired but something changed (their health, their politics, etc.).
I also think they higher people who cannot handle the complexities of the world we live in. They might be able to intimidate a suspect (without violence) but do not have the ability to empathize with a lost person with Autism or Dementia, as examples. A guy could be able to empathize with his brother going through divorce but might not be able to adequately empathize with a member of the LGTBQ community or a child or a woman or visible minority or someone else. I just have a feeling that the selection process is archaic in some ways and not sophisticated enough.
I know cops who are intelligent and empathetic and compassionate, among other things. I also know of cops who are lacking. I'm confident that there are lot of cops in the US (and Canada for that matter) who are not smart/empathetic/compassionate/etc. enough to be cops. Many are too ignorant.
"To be ignorant of one's ignorance is the malady of the ignorant." - Amos Bronson Alcott
I just think you need to spend more money and effort on the hiring, overseeing, and support of police officers. Cops face a lot of trauma. You could have a good cop who is white and who is suffering PTSD related to an interaction with a black criminal/suspect. If that cop is not helped (and seeks/accepts help) they could be doing something terrible (like killing someone black) because of legitimate PTSD issues. Having said that, I have full belief that a racist white cop who kills a black man in cold blood would use feigned PTSD as a defense too.
It's simply a more complex and comprehensive issue than having personal liability insurance. Perhaps a hybrid system would work, with limited premiums and limited liability coupled with continued general liability involving the police force/municipality. , along with my above suggestions.


Posted by _DazedPosted by Piscis_Hominis
There are simply many ways for a person to be injured/killed where police are involved.
Literally every time a surgeon opens you up, it is life or death.click to expand


Posted by LadyNeptune
If we are going to 'fix' one part of the justice system then we must also examine the prison and court system. Reform needs to happen to all.


Posted by _DazedPosted by Aria1Posted by _DazedPosted by Aria1
Hire more female officers?
Female officers are just as bad.
Just as "bad" as what?
Just as bad as the male law enforcement officers that routinely step out of the bounds of the Constitution they swore an oath to protect.click to expand

Posted by _DazedPosted by Aria1Posted by _DazedPosted by Aria1
Hire more female officers?
Female officers are just as bad.
Just as "bad" as what?
Just as bad as the male law enforcement officers that routinely step out of the bounds of the Constitution they swore an oath to protect.click to expand




Posted by ScheherazadePosted by Aria1
I don't know if it was mentioned but Derek Chauvin had several complaints filed against him during his 20 year career:
https://www.insider.com/chauvins-career-raises-questions-about-the-citys-police-review-board-2020-5
I wonder if this tragedy could have been prevented with appropriate intervention and/or disciplinary action.
Old newsclick to expand

Posted by ScheherazadePosted by Aria1Posted by ScheherazadePosted by Aria1
I don't know if it was mentioned but Derek Chauvin had several complaints filed against him during his 20 year career:
https://www.insider.com/chauvins-career-raises-questions-about-the-citys-police-review-board-2020-5
I wonder if this tragedy could have been prevented with appropriate intervention and/or disciplinary action.
Old news
Maybe to you.
Pay attention. This came out the day after this happened.click to expand

Posted by ScheherazadePosted by Aria1Posted by ScheherazadePosted by Aria1Posted by ScheherazadePosted by Aria1
I don't know if it was mentioned but Derek Chauvin had several complaints filed against him during his 20 year career:
https://www.insider.com/chauvins-career-raises-questions-about-the-citys-police-review-board-2020-5
I wonder if this tragedy could have been prevented with appropriate intervention and/or disciplinary action.
Old news
Maybe to you.
Pay attention. This came out the day after this happened.
So does that mean it still can't be discussed?
Sure. But we already know the solution.click to expand

Posted by ScheherazadePosted by Aria1Posted by ScheherazadePosted by Aria1Posted by ScheherazadePosted by Aria1Posted by ScheherazadePosted by Aria1
I don't know if it was mentioned but Derek Chauvin had several complaints filed against him during his 20 year career:
https://www.insider.com/chauvins-career-raises-questions-about-the-citys-police-review-board-2020-5
I wonder if this tragedy could have been prevented with appropriate intervention and/or disciplinary action.
Old news
Maybe to you.
Pay attention. This came out the day after this happened.
So does that mean it still can't be discussed?
Sure. But we already know the solution.
Which is?
Vote in pro-black DAs and prosecutors and city commissions
Create police auditing groups
Be more selective about hiring cops
Defund the police until they change
Etc etcclick to expand
Discover insights, swap stories, and find people. dxpnet is where experiences turn into understanding.
Create Your Free Account →
Please watch and offer your thoughts.