Insurance Companies are driving change in Law Enforcement

[squatz1]

This may not be common knowledge to most people, though police department (and other municipal departments) require insurance policies to settle claims with people who allege wrongdoing. The most common wrongdoing though, is committed by police departments, and it is typically much cheaper for the department to settle with the insurance company and have them payout.

For most large departments, this isn't an issue though, as they don't have too many claims to deal with and their insurance company has no problem paying out their claims after they pay their monthly premiums. They also can self insure themselves, as they have large amounts of funding from their municipalities

For smaller departments though, they need to band together with other municipal departments (such as the surrounding town departments) to get insurance coverage. As the insurance company will only cover them if they're banded together and they spread out the risk.

Though this opens up an issue with these smaller departments though, as when these smaller departments are riddled with claims and have to settle multi-million dollar lawsuits -- they're stuck between a rock and a hard place as they're kicked out of their plan and are forced to shut down their police departments -- as the risk of operating is too much for them.

This is where Insurance companies come in to recommend / force change on a department to ensure that the department is running properly, and can operate under their insurance plan. This isn't common knowledge, but insurance companies are the reason for a large number of changes in law enforcement.

1. Men searching men, and women searching women (pat-down, limits liability and the chance of a lawsuit)
2. Strip searches only in individual events.
3. Rules of engagement
4. Increased community outreach.
5. Insurance companies can even help with when to fire an employee (if they're too much of a liability to the department)


https://www.npr.org/sections/money/2019/03/22/705914833/episode-901-bad-cops-are-expensive

https://www.theatlantic.com/politics/archive/2017/06/insurance-companies-police/529833/

[angel55]

The era of video phones has really helped change law enforcement as they are scared of committing wrongdoing and having evidence of it.

It is really tricky to put a dollar amount on a wrongful death.  No amount of money can ever bring that person back to life.

Insurance is really just gambling but the odds are against you or they wouldn't do business with you in the first place.

I'm not sure how men searching only men and women searching only women has any affect with the large amount of gay and trans people around, shouldn't really matter.

[squatz1]

The era of video phones has really helped change law enforcement as they are scared of committing wrongdoing and having evidence of it.

It is really tricky to put a dollar amount on a wrongful death.  No amount of money can ever bring that person back to life.

Insurance is really just gambling but the odds are against you or they wouldn't do business with you in the first place.

I'm not sure how men searching only men and women searching only women has any affect with the large amount of gay and trans people around, shouldn't really matter.

The phones have helped to show the good and the bad in law enforcement and are a great tool to combat against both sides having issues. I think LEOs should wear body cameras to ensure that both sides of the story are told in every situation. Instead of a, he said she said situation.

Tricky to put a price on human life, yes, no amount of money will bring them back, but Insurance companies can do this. They calculate the amount of money that person (with their age, education, work experience, etc.) would be able to generate over the number of years that would be left in their life. Insurance companies have perfected this.