I’m wanting to say I like this idea, but…
It just freaking sux. There are good cops out there who don’t need to be pumped into one insurance ideology (fraud) - but til the bad cops get the punishment they deserve there is no good solution.

This is a general problem with the whole system - including unaffordable healthcare. If healthcare would be free; freakton of lawsuits wouldn’t happen.
Without those lawsuits the insurance would go down, lawyers would not clog up the system with ‘got hurt in an accident’ cases - and this would reflect all parts of society.
I believe the cops not getting punished for being bad is just one of the hundred symptoms of the system failing.

The problem is that any fees cops get for doing stuff coming out of tax money.
In a way I understand why, but it just bullshit at the end of day.