> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.truvo.com/guides/what-facts-does-each-line-need/llms.txt.

# What facts does each line need?

`GET /v1/capabilities` answers with one entry for each line your key can quote. Add `line` to get one line:

```bash
curl "https://api.truvo.com/v1/capabilities?line=renters" \
  -H "Authorization: Bearer $TRUVO_API_KEY" \
  -H "Truvo-Version: 2026-09-26"
```

Each entry gives:

* **`required_facts`:** the path of each fact that a request of the line must give, such as `application.applicant.email`.
* **`required_facts_schema`:** a JSON Schema of the line's application. It describes every fact the line takes, and its `required` list names the parts that a request must give.

Build the application from the schema, and ask the person for each fact it needs. Don't fill in a fact with a guess.

## Facts that depend on the request

Some facts are required only in some cases. For example, an auto request in Pennsylvania also needs `application.protection.tort_type`. When one is missing, the `needs_information` answer names it.

## When a fact is missing

If a required fact is missing, Truvo doesn't ask any carrier. `POST /v1/quote-requests` answers `422` with the code `needs_information`, and `field_errors` lists the path of each missing fact. Add the facts, then send the request again. See [Errors](/guides/errors).

## Facts you leave out

When a request leaves out an optional fact, Truvo can use a default. Check both places where defaults appear:

* The quote request's `assumptions` lists the defaults that Truvo set before it asked carriers.
* Each quote's `evidence.assumptions` lists every default that the quote rests on. A quote can add its own, such as the start date of a renters quote when the request gives none.

Each default has a `path`, a `value`, and a `source`. To change a default, send the fact.

A carrier can still answer `missing_information` when it needs a fact that the request didn't give. See [Why did a request finish with no quotes?](/guides/why-did-a-request-finish-with-no-quotes).

> Capabilities list the required facts of each line, with a JSON Schema of its application.