> Not personally, of course, the payments will come out of liability insurance (and, therefore, taxpayer coffers).
I think this might actually be eminently desirable that the taxpayer is on the hook. We shoulder a lot of responsibility for our police (not the actions of any given officer, but the system that either fails to weed out 'bad apple' officers or fails to adequately train them or whatever other systemic failure is responsible) and it's right that we shoulder the cost for our lack of will to enact police reform or take it seriously. Of course, I don't think the liability--criminal or civil--is adequate in magnitude, and I would like to see more of both.
Just put the officers on the hook instead, reform done.
Doctors are on the hook for medical malpractice, works quite well and we still have doctors.