If New York State Legislature passes new legislation, cops will also have to take out insurance if they plan to wear a badge. State Sen. Alessandra Biaggi introduced a bill last week that would mandate all officers in New York obtain liability insurance throughout their career. The local city and police agency would determine the base rate of the policy. Biaggi said this policy would act as a deterrent to police misconduct as an officer's insurance premiums would rise if they were involved in a civil suit by a civilian that ended with any payout.
Between July 2018 and June 2019, New York City paid out $220.1 million in settlements for 5,848 tort cases involving the NYPD, according to a report by New York City Comptroller Scott Stringer. NYPD tort claims represented 36% of all tort claims against the city, Stringer's report said. Currently, no state or municipality has a liability insurance requirement for their police officers. Colorado passed a bill last month that makes officers personally liable for up to $25,000 in damages in lawsuits related to misconduct.
Why should police have to pay for insurance and having same will bring many lawsuits?