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Message: <blockquote data-quote="bigfug" data-source="post: 4053564" data-attributes="member: 4864"><p>I get that, and most of my response was directed to that. An officer could not afford the premium, and the cities could not afford to pay them what they would need to for them to cover those premiums. Cities cannot get qualified applicants at the current pay scale. Either way, taxpayers are paying the premium, whether the city pays the settlement, or the officer pays the premium, since his salary is paid by the taxpayers. It just passes hands one more time before its paid out. I get ending qualified immunity, but just rewrite the law to read like Castle Doctrine/Stand Your Ground laws, if justified, you cant be held civilly liable. For example, the officer who came home to the wrong apt and shot the tenant thinking he had broke into hers. Why should qualified immunity apply when she's off duty? How did it relate to her job? The cop always being on duty thing was determined by the Supreme Court to not be true/applicable, so QI shouldnt always apply either.</p></blockquote><p></p>