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+Text: The Aff Actor will require police officers to carry professional liability insurance and maintain the current parameters on qualified immunity. |
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+Kaste ’16 explaing the plan - Kaste, Martin. correspondent on NPR's National desk "To Change Police Practices, A Push For Liability Insurance In Minneapolis." NPR. NPR, 27 June 2016. Web. 10 Nov. 2016. MC – brackets in original |
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+Some officers already carry liability insurance, on a voluntary basis. Gross' group wants to make it a condition of employment in Minneapolis. Their proposal would have the city cover the cost of basic insurance, but any premium increases due to misconduct would be the officer's responsibility. Dave Bicking, also a member of the ballot campaign, says the beauty of this scheme is that bad cops would pay more; the worse the track record, the more expensive the premium. "We have one officer in Minneapolis who's had five significant settlements against him just in a year and a half," Bicking says. "Someone like that could never, ever buy insurance. They'd have to charge him $60000-$70,000 a year. That officer would be gone." The plan has a simple appeal. But police call it simplistic |
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+Solvency |
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+Professional liability insurance, like doctors’ malpractice insurance, solve for the exorbitant amounts of money that citizens end up paying to cover liability suits filed against officers, and problematic officers’ premiums rise to the point where they become uninsurable which would force them out of police departments. |
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+Syrmopoulos ’16 - Syrmopoulos, Jay Investigative Journalist Free Thought Project, Master of Liberal Sciences: Global Affairs U Denver. "Here's How to Force Police Accountability in Your City." The Free Thought Project. N.p., 18 Sept. 2014. Web. 10 Nov. 2016. GK |
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+Minneapolis - In almost every city across the US, tax dollars are used to cover the damages and settlements from lawsuits filed against their police departments due to officer misconduct. Taxpayers in essence pay out massive amounts in damages for officers not doing their job properly. Additionally, the cost is compounded because taxpayers are forced to continue paying the salaries of these criminal cops.¶ City officials don’t have the guts to hold officers accountable for their actions. So a new approach is necessary to hold rogue officers responsible for their conduct.¶ Just like doctors have to carry malpractice insurance, police officers should be required to carry professional liability insurance as a condition of employment.¶ How this can be achieved is through an amendment to the city charter itself.¶ In Minneapolis, this process is already taking shape due to the efforts of Communities United Against Police Brutality and the Committee for Professional Policing.¶ Over the past seven years, taxpayers in Minneapolis have paid out over $20 million dollars to settle cases stemming from police brutality. In just 2011, $4.7 million taxpayer dollars went to cover the costs of officer misconduct. Many other cities across the US have faced similar losses with seemingly no recourse.¶ Some cities, such as Minneapolis, self indemnify for police claims, while others rely on the League of Cities coverage. Most large metropolitan areas don’t engage in effective risk management strategies, as it would be a political liability due to the strength of the police lobby and unions. Thus, police are rarely held accountable for their actions.¶ Requiring police officers in large cities to carry professional liability insurance coverage would be an excellent risk management strategy and provide accountability for officers in ways that city administrations cannot or will not provide.¶ Similarly to how other professionals, such as doctors who are sued too many times become uninsurable, the demands of professional liability insurance will ensure risk reduction takes place. Meaning basically that if city officials won’t hold police accountable for their actions an insurance company on the hook for large police misconduct payouts certainly will.¶ Problem officers would find their rates up until eventually they would become uninsurable, a wonderful way to have problem officers forced out of policing entirely. |
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+Right now cities pay for police misconduct which is ineffective for deterrence. Kaste ’16 |
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+Kaste, Martin. correspondent on NPR's National desk "To Change Police Practices, A Push For Liability Insurance In Minneapolis." NPR. NPR, 27 June 2016. Web. 10 Nov. 2016. MC |
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+When cities settle cases of inappropriate or illegal force by police officers, they pay — a lot. Chicago alone has paid out more than half a billion dollars since 2004. Yet some advocates say all those payouts haven't had much of an effect on policing practices. In Minneapolis, longtime activist Michelle Gross says when cities pay damages, individual police officers often aren't held accountable, which means they're not likely to change their behavior. That's why she and a group calling itself the Committee for Professional Policing are now pushing a completely different approach. |
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+And, because under the CP cities still pay the baseline cost of insurance for its officers, it has a strong incentive to improve its policies, training, and oversight. More abusive departments will necessarily have higher baseline premiums. This controls the internal link to the principle solvency mechanism in the AC. |