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Louisiana Liability Insurance RequirementLouisiana requires liability insurance for the same reason that all other states require it. The law is there to make sure citizens have a reasonable chance to be reimbursed for damage to their property and or injury and death from the at-fault driver in an accident. One of the requirements that society places on the privilege to operate a motor vehicle on our roads is that you have the ability to pay for the damage you cause in the operation of that vehicle. You make this guarantee by purchasing liability insurance to cover your mistakes.
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