Colorado § 42-7-510 - Insurance or bond required.
Full text of Colorado Colorado Revised Statutes § 42-7-510 — Insurance or bond required., with citation guidance and answers to common questions.
§ 42-7-510. Insurance or bond required.
(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, 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, 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 crash; 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 crash.
(2) (a) Every owner of a motor vehicle designed and used for the nonemergency transportation of individuals with disabilities as defined in subsection (2)(b) of this section, 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 crash; 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 crash.
(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. L. 2026: (1) and (2)(a) amended, (HB 26-1237), ch. 117, p. 495, § 88, effective August 12.
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
Source: official Colorado text · Last verified 2026-08-27
Frequently Asked Questions About Colorado § 42-7-510
What does Colorado Revised Statutes § 42-7-510 cover?
Section 42-7-510 ("Insurance or bond required.") is part of the Colorado Revised Statutes, the codified statutory law of Colorado. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.
How do I cite Colorado § 42-7-510?
A common citation format is "Colorado Revised Statutes § 42-7-510" (Colorado). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.
Is this the official text of Colorado law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the Colorado official source linked on this page or consult a licensed Colorado attorney.
How does Colorado § 42-7-510 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in Colorado can advise on how this section applies to you. Contact your state or local bar association for a referral.
Sources & Verification
Not legal advice. Verify against the official source and consult a licensed attorney in Colorado.