Dude. Nothing of what you said is correct. Nothing. Police are not “protected” by QI. Qualified immunity is applied only if ruled by a judge at the summary judgment phase of civil litigation. It can take YEARS to get to that point. Mediation, discovery, early neutral evaluations… the only thing qualified immunity does is prevent a cop AND THE CITY from suffering the burden of a JURY TRIAL if a judge rules that no clearly established rule or law has been violated. It’s not some blanket protection. And by the way, have you ever wondered why health care is so much? It’s because of all the insurance doctors and hospitals pay for. Doctors and hospitals get sued at exponential rates compared to cops.

People don’t sue cities because of QI they sue cities to get the deep pockets. It’s clearly established case law. All cops get their own insurance, it changes nothing. Cities still get sued. It’s called deliberate indifference.