Why is it OK for a Dr to pay for malpractice to cover mistakes and accidents but no on else? I suspect it's because you aren't Dr.. My friend is a surgeon and his malpractice premiums are higher than double my mortgage. That's half the reason medical costs are so high. As a real estate professional, I have to carry E&O and liability insurance. Heck, even plumbers and electricians carry liability and other insurances... why should a police department or officer be exempt? I actually think the dept should carry it, not the officers and think the hospital system should provide MP for the Doctors.Texas_Blaze wrote: ↑Fri Nov 01, 2019 7:52 amWho’s gonna pay?
1. Individually involved officers? That’s not acceptable. Require each officer to carry a form of duty insurance, like doctors malpractice? Except officers don’t earn $$$$.
2. Police department? Well actually that’s you & me via the taxes. From police dept budgets? Now we are hampering our own public safety.
3. Homeowners insurance?
Consider it a form of vandalism and file your claim. Getting your deductible covered is no small matter with the cost of homes nowadays.
Taxes? Sure, but that's spread across everyone. There are many things we pay taxes for that most people don't use- the individual burden on something like this is pennies per person. If all departments or officer's carried insurance like this the cost would be pretty low... As it is, anyone unfortunate enough to be in this position can be wiped out.
Vandalism? OK, but when the criminal is caught, he can be held responsible for the damages.
A homeowners ins claim normally means a big rate hike. Certainly more than a potential tax burden on insuring the police. And the rate, unlike the deductible goes on forever.
Asking victims of intentional property destruction or loss to shoulder that burden for the city or state isn't fair- the criminal they catch in the process is a burden on society, not just that home owner.
just my $0.02 worth