We ask that rather than tax payers paying out settlements for the actions of abusive police officers, instead all police in the US be required to carry personal liability insurance and be subject to direct personal liability for their actions. This insurance should have rates tied to the officers personal track record, time spent at the gun range and practice scores and other qualifiers as well as the overall track record of the department to encourage officers to weed out the bad apples.
Many other professionals are required to carry their own insurance, police should have to do the same. It is utterly unfair for the general public to suffer losses of civic services from high settlement payouts due to the malpractice of officers.