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Are these vehicles required to be insured?
YES. Colorado Revised Statute 42-4-1409 requires all motor vehicles and low-power scooters to have a complying policy or certificate of self-insurance in full force and effect.

Police - Low-Speed Electric Vehicles

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1. Are operators of low-speed electric vehicles required to have a driver's license?
2. Are these vehicles required to be registered?
3. Are these vehicles required to be insured?
4. Are operators of low-speed electric vehicles required to abide by traffic laws?