Another Bad Idea
You want to see every Officer in the nation go fetal? This is how you do it:
- (New York) State lawmakers are churning out more proposed laws to hold cops accountable for misconduct.
A bill introduced by state Sen. Alessandra Biaggi (D-Bronx) would require police officers to obtain personal liability insurance to cover civil lawsuits filed against them for excessive force and other abuses as a way to deter misconduct.
Under current law, cops who are sued are represented by the city law department and taxpayers foot the bill for any verdict or settlement. Biaggi’s proposal would require each officer to obtain individual liability insurance. The city or other local governments would still be required to cover the basic insurance policy to cover tort litigation costs.
But Biaggi said her bill would better hold officers accountable by requiring them to pay any increase in premiums related to payouts for wrongdoing.
The funny thing about insurance - it doesn't cover illegal acts. You can't buy insurance coverage for a illegal business. Insurance won't pay out if you deliberately set your property on fire. You cannot profit by killing someone you have an insurance policy on.
Insurance companies do their very best to NOT pay out. It affects their bottom line. Guess who isn't going to pay out in the event you are determined to have committed an unlawful act? In fact, it is (perversely) in their financial interests to unilaterally decide you have acted (A) outside the scope of your authority or (B) against the definitions of the policy they sold you due to some sort of "wrongdoing."
You know you avoid wrongdoing?
Insurance companies do their very best to NOT pay out. It affects their bottom line. Guess who isn't going to pay out in the event you are determined to have committed an unlawful act? In fact, it is (perversely) in their financial interests to unilaterally decide you have acted (A) outside the scope of your authority or (B) against the definitions of the policy they sold you due to some sort of "wrongdoing."
You know you avoid wrongdoing?
- You don't do anything
We can't wait to see what aldercreatures' nephews suddenly start getting licenses to peddle fly-by-night "insurance."
Labels: dumb ideas, out-of-state
posted by SCC at 12:02 AM
41 Comments:
Years ago when I was newer on the job, I had actually looked into a policy similar to that just to cover my bases.
I know, I know, young and dumb. But being new on the job, I wanted to make sure I did whatever I could to protect myself and my family.
I’m doing my research trying to find a policy that would cover me- I shockingly found that there wasn’t one.
I was repeatedly told by different places that an “umbrella” policy would be the closest thing.
However, it would have to be a true accident. For most of the things I was looking to cover (non-criminal, of course)- that would arise during the normal course of duty- they wouldn’t be covered.
For instance- a use of force that the city arbitrarily settles for $20,000 in “go away” money- you aren’t covered. Most importantly, because your actions were INTENTIONAL, and wouldn’t fall under an accidental insurance policy.
I was both shocked and disheartened to find that there really was no sort of protection for an honest, hard-working police officer if shit just turned sideways.
Should have been the first writing on the wall, I was just too blind to see it at the time.
Police work is done. Find a new source of income. If you rely on law enforcement... Buy a gun and handle your own shit .
New normal.
Big city police departments in DemocRAT areas are screwed!
They send a message out there, “ it’s ok, sue them even if officer haven’t done anything wrong, they will settle and you will get some money”
NYPD Limits Retirement Applications Amid 400 Percent Surge This Week
The astonishing rush for the door came as 503 cops filed for retirement between May 25 — the day George Floyd was killed in Minneapolis, sparking anti-cop protests around the country — and July 3, the NYPD said.
“There’s just droves and droves of people retiring. But there’s no surprise here, who the hell wants to stay on this job?” one cop said.
“Why would you want to stay on this job when people don’t appreciate what you do?”
https://nypost.com/2020/07/08/nypd-limits-retirement-applications-amid-411-surge-this-week/
Another reason to go fetal. What happens when a cop becomes uninsurable? Does cop lose his job, does the cop then go into a certain high risk pool, where premiums are doubled or tripled? Lord forbid deductibles and co-pays aren’t part of the liability insurance. If it passes in New York watch for demoRat governors and demoRat controlled legislators to try passing a similar law. Didn’t a demoRat propose the same law in Springfield?
Meh... good times ahead guys
Some stupid cops will still put there families livelihood on the line to mess will assholes... we all know this is true
Sure, no problem. At, what cost, $1k/month?
President Biden 2020
The plan also calls for:
Restarting DACA for young illegal aliens
Restraining DAPA for the illegal parents of DACA illegal aliens
Rescinding Trump’s “national emergency” at the border
Increasing refugee resettlement
Gives Obamacare to DACA illegal aliens
Forces Americans to subsidize welfare-dependent legal immigration
Expands the scandal-plagued U visa program
Restarts employment-based green card system
Defund ICE and the Police
How long before defund the police turns into defund the pensions?
I propose that all people in congress (everyone that votes on passing laws) be required to have personal liability insurance. This should cover those who commit bribery, sexual harassment, extortion, DUI etc. They should also be required to wear body cameras every minute they are on the clock. Or, they should be required to donate money to a fund that is set aside for victims who get paid off after sex abuse or harassment by them is proven. Why should the payoffs come from tax payer?
Kind of like malpractice insurance for doctors? The low life scum lawyers and slip and fall artists will be all over that, like flys on shit.....
Ask any doctor that has stopped practicing medicine due to the cost of the required insurance!
Most of the NYPD that is currently retiring had planned on leaving before this anyway. Gonna be another surge in September. Not a job you stay past 20 anymore.
Only the "Hard Charging Hair Gels will NEED the Insurance , Dont forget to get Insurance for a DEFENSIVE LAWYER , BECAUSE YOUR GOING TO NEED IT !
#BlueFlu
If you want to calculate the cost, the equation looks like this:
Average annual payout by city of last five years + Legal department cost of defending/negotiating settlements + administrative costs & profit (say 20%)
divide that cost by total number of Police to be insured and add 20% extra for Chicago corruption.
Here's a fun question... how far up the chain of command does this new personal liability flow? PO > SGT > Lt > Capt ....> Superitendo > MAYOR
How about Alderman, they run around with badges, don't they?
Because if I am a Billboard buying/adds on cable sleazy lawyer, who has latched on to a sympathetic client... I am naming everyone up the chain as defendants PO, TO, SGT all the way up to Groot with her $2 million dollar house.
These progressive/marxists don't give a shit about black lives, they don't give a shit about students, you have noticed that the most vocal and radical progressives are public school teachers, right? They want the police defunded so they can empower a new class of brownshirts to take over from the police, just like the Nazis did in Germany. Remove the police from the equation and the public is at the mobs mercy. They don't want you defending yourself, they hate guns, since guns are constitutionally protected, they start working on making sure you can't buy ammunition. No bullets and just like in the TV show Gotham, in a later season, the cops can't get ammunition. I know, it's TV, but, guns without ammo are even of less use than a hammer. Cops are protected by government? No problem! Let's make them buy liability insurance and I know, I have a business with liability insurance and if you do anything they deem hazardous, they frown on it, raise your premiums or won't renew you. Try and do a business that requires liability insurance that you can't get. If it is regulated and licensed by the government, no insurance means you are out of business.
If we as coppers don't see where this is headed, you're either too young or too stupid to see what the end game is. The marxists are about to take control of our government through elections and people on the right are in trouble. There will be a 2nd civil war and it's unfortunately, on the horizon. I plan to move about the time the bottom falls out because it'll take me a few years to get squared away, I just hope where I plan to move will be part of the free red states.
Her father, Mario Biaggi was one of the most decorated Police Officers on NYPD. Sad was his spawn is doing.
You do realize, that the day such a law goes in effect and you do not have coverage, you are no longer financially safe and qualified to work as a police officer in that state without you or your police agency purchasing insurance?
Say the law goes into effect on October 1? What happens if all the police can't and don't come into work?
It is not a strike. It is a financial crisis caused by the State Legislature. And you cannot go back to work until the Legislature meets, passes a bill to repeal the law, and then the Governor signs it into law.
Will the law also take the same protections away from the National Guard when they are called up to police and protect the public?
Out here in the boonies, a lot of police agencies have hire part time police officers. How will they afford to buy a policy, when they barely make any money on the job to start with? A lot of the part timers are new Officers hoping to get on the State Police, or a big city force when they have an opening.
She's a Democrat from the Bronx? Why would you expect anything but insanity?
Time for the affected police unions to play chicken?
Our member officers cannot work unless the city purchases and maintains the required liability insurance coverage for all the officers on the forcce. If the city does not put in place such a policy protecting all our police members, then we will not be able to work any of our shifts after this ill thought law becomes effective.
No coverage for the police by the city? Call us after you find it! In the mean time, our officers will be home waiting.
Then politicians should also lose their legal protections that keep them from getting sued for passing shit laws like this. Let shit show Crimesha get hit with some lawsuits for the animals she releases. We should get that guarantee in any new contract.
It would probably make it financially infeasible to remain on the police department. Your take home pay would be diminished considerably by this. Going forward, there will be no good reason to go into law enforcement.
does daley and daley still have that office on halstead next to the street that would better serve as a alley?
I'm going to start selling "Glacier Goggles" for police use. When worn, it reduces your visible field down to about 30%. If you add earplugs and your covid mask, you can claim that you "see no evil", "hear no evil", and "speak no evil".
OT
Looks like Apple is headed towards $400/share.
Article says it's probably a bubble, but "buy some anyways."
WHAT?
Seventh straight day of >90°F temps here plus high humidity.
Ozone Action day.
And reports of a grandmother frozen for 15 years while
granddaughter collected the S.S. money.
Man, I sure hope that was a horizontal freezer.
Could be PTSD for the first responders if it was vertical.
Crazy man, crazy.
You make it sound like going fetal is a bad thing.
Another scheme to force you leave the job for a new world order polizei replacement.
Master Plan - New World Order.
Insurance doesn’t pay without a fight. Premiums are high enough for just health care.
City-County Commies want criminal charges for police allegations and quick convictions. That could negate individual insurance claims even in civil matters.
Suing the individual for alleged misconduct still doesn’t take the bigger settlements off the City, it’s only a condition to get rid of anyone, one at at a time. Sure they’ll get you for $100,000 + in legal fees, maybe enough to break an individual and with enough cases, deplete the entire FOP legal defense fund which is more important to their Movement. No pay raises = No FOP revenue to replenish legal defense.
That’s the big picture. Make no mistake about it.
Even FOP will have to cut back on who they can represent and for how long.
Is a Chase and Arrest for a hateful imbecile toad mayor and an empty sack StupidIntended worth your job, your family, your future? Show up everyday, don the uniform of the day, work it like a house-mouse. Check off with goose eggs.
Best advice, expect what’s coming.
DON’T GET BAITED OR INVOLVED INTO ANY GHETTO AFFAIR OR blm RELATED MATTER.
At what point does this country get tired of the 13% running everything that has to do police actions, I have to say fuck them! And all of you guys don't worry about losing your own home.Put it in a Land Trust and make someone you trust hold the beneficial interest. Cost about 500 and even in a deposition if they ask who owns your home you can say I don't know. I have done it numerous times at depositions and they have to go search to find out who holds the land trust and the beneficial interest and they, couldn't break the trust in a civil lawsuit.By law the land trust owns the property.
There isn't a policy that will cover you while on the clock for an employer. It's on the employer.
Insurance companies do their very best to NOT pay out.
Yep. Aim no ghetto lottery with the insurance industry. Those companies didn't get to be huge multi billion dollar companies by throwing out money. Their lawyers will fight. Not like Rollover Rahm. Has someone tracked down to give them a $5M check.
Excessive force and civil rights violations would be considered deliberate and thus not covered.
If the insurance is even available.
What if it is required but not available? Or with restrictions? "Whoa. Boss, per my underwriter I can't work that beat on weekends. Outside my policy."
Perhaps a better course of action would be to have real legal people teaching in the academy on how to articulate use of force to protect the officer AND THE CITY.
But the bottom feeding lawyers want bad reports by traumatized officers. Makes getting money from the city all the easier.
Taxpayers wouldn't be on the hook for so much if city governments caught the frivolous lawsuits
time for cpd to start filing law suits every time one of the general , special orders put our lives in danger or violate state laws
The real question is what do the trial lawyers who make their money off police cases have to say about this.
nonymous said...
Sure, no problem. At, what cost, $1k/month?
7/09/2020 04:40:00 AM
That, at this point, would be hard to predict. Personal liability insurance for police officers is available now, but those officers are also usually covered by their hiring city/county. Insurance for an officer who has no other coverage by his hiring agency could be very expensive and it would change every few years depending on how many claims and how many incidents that the officer was involved in. It could be geared to the number of complaints filed against you with your agency. Private detectives today carry 2 million in errors and omissions insurance and armed coverage and the cost is usually under $900 a year. It is a very bad idea and is put forth with the intent to hinder you and your work.
I hope the cost is a pay check.. I pay almost 300 bucks for car and insurance of my house. sincerely— retired guy.
Ms Biaggi's grandfather was a NY Congressman. He was also a retired NYPD Lt. He was involved in many shootings and wounded several times. He received the NYPD MOH. Post NYPD he was convicted of fed crimes for corruption and sent to prison. He was a controversial figure in all he did. Hated and loved by many.
Chicago is averaging somewhere around $50 million a year in payouts for police misconduct. Divide that by 13,000 officers and you get about $4000 a year. Add in the cost lawyers and court costs. Probably doubles it.
Read an article about the liability insurance for police officer. Most just cover the cost of defending yourself, others do include a judgement against you but none can pay a punitive judgement against an officer. Happens sometimes when the city is ordered to pay most of the judgement, but there is an additional punitive judgement against the officer and he has to personally pay it. Happened to a few detectives I’ve worked with
Anonymous Anonymous said...
NYPD Limits Retirement Applications Amid 400 Percent Surge This Week
The astonishing rush for the door came as 503 cops filed for retirement between May 25 — the day George Floyd was killed in Minneapolis, sparking anti-cop protests around the country — and July 3, the NYPD said.
“There’s just droves and droves of people retiring. But there’s no surprise here, who the hell wants to stay on this job?” one cop said.
“Why would you want to stay on this job when people don’t appreciate what you do?”
https://nypost.com/2020/07/08/nypd-limits-retirement-applications-amid-411-surge-this-week/
7/09/2020 01:07:00 AM
How can they limit retirement applications if you have enough time to retire you can retire at anytime file a lawsuit or just stop showing up to work?
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