Colorado Revised Statutes

Colo. Rev. Stat. § 42-7-510 (2026)

Insurance or bond required

✓ current as of July 2026

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(1) An owner of a truck that is subject to the registration fee imposed pursuant to section 42-3-306 (5)(b) or (7) and that is not subject to article 10.1 of title 40, C.R.S., before operating or permitting the operation of the vehicle upon a public highway in this state, shall have in each vehicle a motor vehicle liability policy or a certificate evidencing the policy issued by an insurance carrier or insurer authorized to do business in Colorado, or a copy of a valid certificate of self-insurance issued pursuant to section 10-4-624, C.R.S., or a surety bond issued by a company authorized to do a surety business in Colorado in the sum of fifty thousand dollars for damages to property of others; the sum of one hundred thousand dollars for damages for or on account of bodily injury or death of one person as a result of any one accident; and, subject to such limit as to one person, the sum of three hundred thousand dollars for or on account of bodily injury to or death of all persons as a result of any one accident.

(2) (a) Every owner of a motor vehicle designed and used for the nonemergency transportation of individuals with disabilities as defined in paragraph (b) of this subsection (2), before operating or permitting the operation of such vehicle upon any public highway in this state, shall file with the department a certificate evidencing a motor vehicle liability insurance policy issued by an insurance carrier or insurer authorized to do business in the state of Colorado or a surety bond issued by a company authorized to do a surety business in the state of Colorado with a minimum sum of fifty thousand dollars for damages to property of others; a minimum sum of one hundred thousand dollars for damages for or on account of bodily injury or death of one person as a result of any one accident; and, subject to such limit as to one person, a minimum sum of three hundred thousand dollars for or on account of bodily injury to or death of all persons as a result of any one accident.

(b) As used in this subsection (2), a "motor vehicle designed and used for the nonemergency transportation of individuals with disabilities" means any motor vehicle designed to facilitate the loading of individuals with physical disabilities confined to a wheelchair except vehicles owned by the United States government, vehicles owned and operated by any special transportation district, or privately owned vehicles when such privately owned vehicles are used by the owner to transport the owner or members of the owner's family who are confined to a wheelchair.

(3) Any person who violates any provision of this section commits a class A traffic infraction. If any violation of this section is committed on behalf of a partnership or corporation, any director, officer, partner, or high managerial agent thereof who authorized, ordered, permitted, or otherwise participated in, by commission or omission, such violation is also a class A traffic infraction.

Source: L. 94: Entire title amended with relocations, p. 2491, § 1, effective January 1, 1995. L. 95: (1) amended, p. 961, § 23, effective May 25; (1) amended, p. 1211, § 26, effective May 31. L. 2004: (1) amended, p. 907, § 36, effective May 21. L. 2005: (1) amended, p. 1179, § 21, effective August 8. L. 2010: (1) amended, (HB 10-1167), ch. 125, p. 417, § 8, effective April 15; (1) amended, (SB 10-212), ch. 412, p. 2039, § 20, effective July 1. L. 2011: (1) amended, (HB 11-1198), ch. 127, p. 426, § 28, effective August 10. L. 2021: (3) amended, (SB 21-271), ch. 462, p. 3323, § 767, effective March 1, 2022. L. 2022: (3) amended, (HB 22-1229), ch. 68, p. 349, § 44, effective March 1.

Editor's note: (1) Amendments to subsection (1) by Senate Bill 95-173 and House Bill 95-1068 were harmonized.

(2) Amendments to subsection (1) by House Bill 10-1167 and Senate Bill 10-212 were harmonized.

(3) Section 47 of chapter 68 (HB 22-1229), Session Laws of Colorado 2022, provides that the act changing this section is effective March 1, 2022, but the governor did not approve the act until April 7, 2022.

PART 6 UNINSURED MOTORIST IDENTIFICATION DATABASE PROGRAM

Notes of Decisions

Cited in 3 cases (1 in the last 5 years), 1997–2026 · leading case: In Re Coleman, 209 B.R. 739 (Bankr.D. Colo. 1997).

Sort: Relevance Newest Treatment

In Re Coleman, 209 B.R. 739 (Bankr.D. Colo. 1997). · cites it 2× “”)(emphasis added); Colo. Rev. Stat. § 42-7-510 (2)(b) (1996) (motor vehicle financial responsibility Iaw)("a ‘motor vehicle designed and used for the nonemergency transportation of individuals with disabilities’ means any motor vehicle designed to facilitate the loading of…”

Black Hawk-Cent. City Ace Express, Inc. v. Entrup, 983 P.2d 9 (Colo. Ct. App. 1998). · cites it 6× “According to § 40-10-104(3): “[Article 10 of Title 40] shall not apply to motor vehicles designed and used for the nonemergency transportation of individuals with disabilities as defined in section 42-7-510(2)(b), C.R.S.” Section 42-7-510(2)(b), C.”

Baldyga (D. Colo. 2026). · cites it 2× “at 25-26, ¶¶ 1-6 (Claim 47, Colo. Rev. Stat. § 42-7-510 , addressing “Insurance or bond required” for motor vehicles).”

— Colo. Rev. Stat. § 42-7-510(2)(b) — 1 case

Black Hawk-Cent. City Ace Express, Inc. v. Entrup, 983 P.2d 9 (Colo. Ct. App. 1998). “According to § 40-10-104(3): “[Article 10 of Title 40] shall not apply to motor vehicles designed and used for the nonemergency transportation of individuals with disabilities as defined in section 42-7-510(2)(b), C.R.S.” Section 42-7-510(2)(b), C.”

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