cross-posted from: https://slrpnk.net/post/15313778
Officers showed up at the home and found a man struggling with a woman over a knife. An officer opened fire and struck the man, killing him at the scene. Only later did they discover the man who was killed lived at the home and was struggling to fend off the woman who had broken into his home.
Police say Brandon Durham, 43, had called 911 and reported multiple people outside his home shooting, then told the 911 operator that someone had entered his home through the front and back doors and he was locking himself in the bathroom.
He also told the 911 operator that he was home with his 15-year-old daughter, according to police. Officers kicked open the door after arriving on scene and hearing someone screaming as well as damage to vehicles parked outside the property, police said.
A lot of places self insure, but some already buy insurance as you describe. Qualified immunity is a pretty high bar to get over, but some people do get settlements. I’d argue insurance should have to be bought by the officer, or their union to have any effect on their behavior.
Most of those, it’s the department’s insurance (and most places have that,)
Malpractice insurance is a thing for doctors- they have to have it. It’s an individual obligation; frequently hospitals will cover it for them (and offer plans,) but those plans are managed by a third party- the kind of third party who hates paying out.
What this really means is that doctors who have a history of skirting best practices and getting dinged are more expensive to cover; where doctors that are more competent/less likely to fuck up… get reduced premiums.
Guess what kind of doctor gets to told “yeah sorry, we’re not hiring you”?
Translate that to cops… officers get dropped or dinged for relatively minor excessive force incidents- usually before they get to the point of barging in and killing some one.