How is a police officer getting killed in a car accident any different than anyone else getting killed on the roads?
Police spend more time driving than the average person, due to the nature of the job. Writing tickets on the side of the road is also hazardous. The job increases their risk of dying in a car accident.
It's not. But local governments don't hire a lot of deep sea fishermen, so they don't get hazard pay that affects local budgets.