I disagree that municipalities would have much of a choice. Right now, a municipality is theoretically liable for every officer's actions, and could contractually share some of that liability onto the officers themselves. Yet they do not, presumably because the police unions do not allow it, and the system as a whole is great at shirking all liability for its misdeeds. Getting rid of QI does change the default option, but I would assume the unions would use the same negotiation techniques to get indemnification clauses.