Originally Posted by Ludarue
So your response would be to sue the department for money that the people pay for? Insurance or not the money still isn't being payed by those that would have raided the wrong house.
Maybe yes, maybe no. I spent several years working for an organization that provided legal defense for municipalities. Technically, we did not provide "insurance," but we did provide financial coverage for certain events. The coverage that we provided covered compensatory damage, but not punitive damages. Assuming victory on the part of the plaintiff, the questions will be: (a) whether the policy provides coverage for compensatory damages, punitive damages, or both; and (b) what kinds of damages are awarded.