Under current law & policy when a police officer perpetrates violence he (she) rarely experiences negative consequences even when municipal government pays to settle a civil suit.
If there are no negative consequences, why wouldn't police use excessive & illegal violence? The rules practically encourage police misconduct.
Solution: require police to carry personal insurance that pays the first $20-100,000 of settlement cost in each case.
Police that commit misconduct will see their premiums rise. They will be forced out of police work by insurance companies.
This will also reduce the public's responsibility for paying to settle police misconduct cases & presumably reduce the legal bills over time.