The hidden hand that uses money to reform troubled police departments

Smaller cities that cannot afford costly payouts for civil settlements in police misconduct cases rely on liability insurance, which can act as a regulator when insurers demand reforms up to and including disbanding troubled departments. While police killings have decreased in large cities over the past six years, they have increased in the suburban and rural areas served by the vast majority of police departments. “Loss prevention” measures that require policy and personnel changes have been proven to work, but insurance that fails to police the police can also shield cities from accountability.

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