No, the region that employs and directs a police officer who ends up violating civil rights must absolutely be responsible for civil remedy (money), the issue is simply that police largely will never be charged for their criminal liability.
If someone is wrongly imprisoned, injured or killed the financial remedy must not stop at the individual officer’s net worth / insurance coverage maximum or be subject to potential coverage gaps.
Additionally, everyone will still pay the cost through taxes, but now an insurance company will try to turn a profit on it and those living in regions with “good cops” will be subject to the tax as well.
If someone is wrongly imprisoned, injured or killed the financial remedy must not stop at the individual officer’s net worth / insurance coverage maximum or be subject to potential coverage gaps.
Additionally, everyone will still pay the cost through taxes, but now an insurance company will try to turn a profit on it and those living in regions with “good cops” will be subject to the tax as well.