Earlier quoted context omitted.
No, the people who can't afford their insurance wouldn't be able to work as policemen. Ideally, they would also eventually lose a license of some sort-- just like the doctors who commit malpractice. We are already paying increased taxes to deal with all the lawsuits we already incur because these people know they are above the law and they think it isn't their problem.
I explained the problem in very simple terms. But your rebuttal is "nuh uh, here are all the details that irrelevant that I think are really cool". The people still pay for it. They pay for all the settlements, plus they pay another big slice on top for the insurance industry (since they do nothing for free). Then cops do the same thing, and lobbyists push on the insurance industry to allow them to keep breaking head…
You, in fact, argue in support of their idea -- there's lots of people who want to be cops. That keeps salaries lower, making a ballooning insurance cost impossible for a bad cop to continue to pay.