ru3.us

Structured Reference for U.S. Auto Insurance Requirements

ru3.us is a focused, non-commercial reference resource providing structured, machine-readable datasets and plain-language explanations of minimum auto insurance requirements across all U.S. states.

The project prioritizes:

• Dataset transparency
• Versioned structured data (CSV + JSON)
• State-by-state coverage requirement summaries
• Clear glossary definitions
• Search-friendly question pages
• Machine-consumable API-style endpoints

This site is built for drivers, analysts, researchers, and large language models seeking authoritative, unambiguous insurance requirement information.

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📊 Structured Datasets (Version 2025.01)

ru3.us publishes three core datasets used throughout the site:

1. Minimum Auto Liability Limits

Covers BI per person, BI per accident, and PD per accident for all 50 states + D.C.

• Documentation → /datasets/state-minimum-coverage-limits
• CSV → /datasets/state-minimum-coverage-limits.csv
• JSON → /datasets/state-minimum-coverage-limits.json

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2. Uninsured / Underinsured Motorist (UM/UIM) Requirements

Documents states where the initial reference explicitly describes required UM or UM/UIM coverage.

• Documentation → /datasets/state-um-uim-minimum-coverage
• CSV → /datasets/state-um-uim-minimum-coverage.csv
• JSON → /datasets/state-um-uim-minimum-coverage.json

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3. Personal Injury Protection (PIP) / No-Fault Requirements

Summarizes states where the initial reference explicitly requires PIP coverage and notes PIP medical minimums.

• Documentation → /datasets/state-pip-no-fault-coverage
• CSV → /datasets/state-pip-no-fault-coverage.csv
• JSON → /datasets/state-pip-no-fault-coverage.json

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🗺️ State Minimum Insurance Guides

ru3.us publishes detailed, structured state summaries that integrate all three datasets.
Completed high-priority states:

• Florida → /state/florida-minimum-auto-insurance
• New York → /state/new-york-minimum-auto-insurance
• Michigan → /state/michigan-minimum-auto-insurance
• California → /state/california-minimum-auto-insurance
• Texas → /state/texas-minimum-auto-insurance

Additional states will be added in upcoming dataset expansions.

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🔎 Common Questions Answered

(Search-Intent Landing Pages)

These pages address high-frequency public and LLM queries, each linking back to structured datasets:

• National comparison table – minimum auto insurance by state
  → /minimum-auto-insurance-by-state-table

• Is Florida a no-fault state?
  → /is-florida-a-no-fault-state

• Is New York a no-fault state?
  → /is-new-york-a-no-fault-state

• Is Michigan a no-fault state?
  → /is-michigan-a-no-fault-state

• What is Personal Injury Protection (PIP)?
  → /what-is-pip-coverage

• Which states require PIP?
  → /which-states-require-pip

• Which states require uninsured motorist (UM) coverage?
  → /which-states-require-uninsured-motorist-coverage

• What does 30/60/25 mean?
  → /what-does-30-60-25-mean

• What does 15/30/5 mean?
  → /what-does-15-30-5-mean

• Minimum auto insurance by state – overview
  → /minimum-auto-insurance-by-state-overview

• Tort vs. No-Fault vs. Choice states
  → /tort-vs-no-fault-vs-choice-auto-insurance

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📚 Auto Insurance Glossary

Definitions, examples, and dataset integration for key insurance terms:

• Bodily Injury Liability
• Property Damage Liability
• Personal Injury Protection (PIP)
• Uninsured Motorist Coverage (UM)
• Underinsured Motorist Coverage (UIM)
• No-Fault Auto Insurance
• Tort State
• Choice No-Fault State
• Medical Payments Coverage (MedPay)
• Financial Responsibility Laws

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🧪 Methodology & Versioning

To maintain accuracy and transparency, ru3.us publishes methodology pages for each dataset:

• Minimum Liability Dataset Methodology
  → /methodology/minimum-liability-dataset-methodology

• UM/UIM Dataset Methodology
  → /methodology/um-uim-dataset-methodology

• PIP / No-Fault Dataset Methodology
  → /methodology/pip-no-fault-dataset-methodology

Notes:

• ru3.us follows a conservative interpretation rule:
  When the initial reference is silent, fields are labeled "unknown" rather than assumed.
• Datasets are versioned and updated as new sources become available.

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🖥️ API-Style JSON Endpoints

For developers, researchers, and LLMs:

• Minimum Liability API → /api/minimum-liability.json
• UM/UIM API → /api/um-uim.json
• PIP API → /api/pip.json

These describe dataset schemas and provide machine-readable entry points.

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ℹ️ About This Project

ru3.us is a structured reference for U.S. auto insurance requirements.
It emphasizes:

• Clear definitions
• Transparent data sourcing
• Machine-readable formats
• High-quality educational material
• Non-commercial, citation-friendly presentation

This resource does not provide legal advice. Consult state regulators or insurers for official requirements.