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DAVID L APPLEGATE's avatar

I have long argued that an important step toward greater police accountability would be to transfer financial responsibility for bad shootings, use of excessive force, and false arrests from the taxpayers to the police themselves. The way to do this would be make the FOP, and not the taxpayers, responsible for carrying liability insurance and paying judgements and settlements. The officers and union members would then have incentives to police themselves (no pun intended) and weed out the few bad actors. As matters stand now, they get a free pass because we taxpayers always pick up the tab. But when an officer violates an individual citizen’s rights, that officer also violates the officer’s duties to the general public to act in accordance with the law. Given that Illinois voters just voted to expand the matters public union members can remove from the ability of citizens to vote on and to expand the scope of collective bargaining rights, though, this is less likely to happen than ever. We have met the enemy and he is us.

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DAVID L APPLEGATE's avatar

Speaking as someone who has decades of experience both defending professional liability insurance claims and suing cops as court-appointed pro bono counsel, I think these counter-arguments are misplaced, or else Mr. Leitschuh misunderstands my proposal: it’s not that each cop carry his own personal liability policy, but that the police union - the FOP - provide the same kind of coverage, and have the same kind of financial responsibility, as the City now does. Any competent liability insurance underwriters should be able to rate the FOP in the same way it rates the City, particularly if the practice were made nationwide to provide a bigger risk pool.

Conversely, if cops wanted to buy their own personal umbrella liability policies, I see no reason why they should not be able to do so through the FOP (police union), which presumably provides all sorts of benefits to its members (or they wouldn’t bother to pay dues). I see no reason why it would be acting any differently from any other membership organization that makes insurance benefits available to its members, from AARP to AAA to bar associations or the AICPA to, indeed, mutual insurance companies like State Farm Mutual.

Yes, anyone can sue virtually anyone in America but the plaintiff must have (a) some sort of legally recognized basis for the claim and (b) facts to support it. Frivolous lawsuits brought without factual or legal support result in adverse judgments against the plaintiff and sanctions against the attorneys who bring them, up to and including having to pay the other side’s legal fees and suspension or disbarment if the attorneys involved. (Some attorneys already specialize in suing cops, by the way, under the civil rights laws that protect all of us against unlawful state action. The good ones don’t take bad cases, and the ones that take bad cases go out of business pretty quickly because they lose them.)

Based on my experience, moreover, the FOP is not entirely an innocent player, as it negotiates special rules to protect cops that encourage or excuse bad behavior. For example, it counsels cops who are witnesses to incidents to show up at their depositions with affidavits saying they are there under duress. Which means if they tell the truth at their depositions about what they saw at the incident and then testify differently at trial after colluding with the guilty party on what to say, you can’t impeach them with their deposition testimony because it was allegedly “under duress.”

My proposal would also help take politics out of the equation, such as Rahm Emanuel having quietly settled the LaQuan McDonald case (with taxpayer dollars, of course) to help his re-election. So let’s help incentivize the cops, their union, and the politicians to act more honestly, honorably, and in good faith.

Finally, I think the hypothetical example of the insurance adjuster is off the mark, because an adjuster personally has no liability to the policyholder; it’s the insurance company with which the policyholder has a contract that is obligated to pay and/or defend a covered claim.

In the end, as an insurance company maxim has it, the perfume of the premium covers the stench of the risk. By encouraging better behavior on the part of all concerned, we’d help reduce the stench of the risk and in the long term reduce the premiums.

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