Ebike definition in Colorado follows the HR 727 National Law: Template:Convert e-power and Template:Convert max, 2 or 3 wheels, pedals that work. Legal low powered Ebikes are allowed on roads and bike lanes unless the city or county has passed laws to the contrary (Boulder city bans ebikes over 400W from bike lanes and all ebikes from bike paths) -none -(except Boulder city) have to date. Bicycles and Ebikes are disallowed on certain high speed highways and all Interstates unless signed as "Allowed" in certain rural Interstate stretches where the Interstate is the ONLY means of travel.  Unless the locality has specifically passed laws making ebikes illegal on sidewalks or trails, Ebikes are legal. However most business and shopping districts do not allow riding bikes or ebikes on sidewalks. Boulder and a few other cities specifically dis-allow ebikes on their trail systems through legal statute.
Experiments done in Uganda, Tanzania, and Sri Lanka on hundreds of households have shown that a bicycle can increase a poor family's income as much as 35%.[better source needed] Transport, if analyzed for the cost-benefit analysis for rural poverty alleviation, has given one of the best returns in this regard. For example, road investments in India were a staggering 3–10 times more effective than almost all other investments and subsidies in rural economy in the decade of the 1990s. What a road does at a macro level to increase transport, the bicycle supports at the micro level. The bicycle, in that sense, can be an important poverty-eradication tool in poor nations.
How do the State Laws relate to the 2001 Federal Law? This is a difficult question to answer and know how they apply to you individually. From the Federal Law, one would hope that your purchased ebike is simply classified as a bicycle, with all the rights and privileges allotted to a normal cyclist. However, State Laws are confusing because they may be more restrictive in parts and add other requirements. About 30 U.S. states still have confusing regulations around them. Either the bikes are technically classified as mopeds or motor vehicles, or they have equipment, licensing or registration requirements that cause problems for riders. Thanks to the People-For-Bikes/Bicycle Product Suppliers Association (BPSA) partnership with local advocacy groups, they have been able to make the case for streamlining state regulations so that e-bikes are essentially treated like regular bicycles.4
European Union directive 2002/24/EC exempts vehicles with the following definition from type approval: "Cycles with pedal assistance which are equipped with an auxiliary electric motor having a maximum continuous rated power of 0.25 kW, of which the output is progressively reduced and finally cut off as the vehicle reaches a speed of 25km/h (15.5mph) or if the cyclist stops pedaling." This is the de facto definition of an electrically assisted pedal cycle in the EU. As with all EU directives, individual member countries of the EU are left to implement the requirements in national legislation.
My homeowners (State Farm) covers bikes , but assumes $500 per bike. They will add the bikes as personal property, but the premium is excessive (about $300/year per bike, and we have four bikes). I did increase our personal umbrella liability coverage, and it covers us if family members any sort of accident on our e-bikes that injures us or others or others' property, though only covers $500 each for our own bikes (under the homeowners coverage). It was not very expensive to increase the umbrella policy (as it resulted also in a reduced rate on our car insurance).
The $3,099 MSRP is a bit daunting if you've not shopped for high-end bikes before, but it compares favorably with, say, Trek's electric bike lineup. That said, you can get a solid urban/commuter bike without a motor for well under $1,000. You can even score an e-bike for under a grand, but you'll likely be looking at a battery range of less than 40 miles, along with lower-quality components.
E-bikes are typically offered in 24V, 36V and 48V configurations. Higher voltage generally means higher top speed – but that may not always be the case. Since the efficiency of a motor and drive system can have an effect on power and speed, a 24V setup could have the same top speed as a 36V setup. Generally you can expect 15-18 mph on a 24v setup, 16-20 mph on a 36V setup and 24-28 mph on a 48V setup. Although it far exceeds Federal laws, some conversion kits can even be run at 72V for speeds of 35+ mph! However, this puts significant stress on bicycle components. Consider that even the fastest athletes only travel 17-18 mph on a conventional bicycle, so 20 mph feels very fast to most riders. Anything over this speed can be unsafe and exceeds law regulations.
This slick-looking commuter features a clean and quiet Gates Carbon Drive belt, which eliminates the maintenance that comes with a derailleur, and an internally geared Enviolo Trekking hub, which provides a 380 percent gear range. The Embark has 650b wheels, 47mm WTB gumwall tires, full fenders with mudflaps, and integrated lights—meaning you can ride long after the sun sets—or before it rises. A Bosch Active Line Plus mid-drive motor is light and quiet and provides pedal assist up to 20 mph, and the Bosch 400Wh battery has a claimed range of 50 miles. Everything about the Embark frame screams clean, stylish, and organic.
Ontario is one of the last provinces in Canada to move toward legalizing power-assisted bicycles (PABs) for use on roads, even though they have been federally defined and completely legal in Canada since early 2001. In November 2005 "Bill 169" received royal assent allowing the Ministry of Transportation of Ontario (MTO) to place any vehicle on road. On October 4 2006 the Minister of Transportation for Ontario Donna Cansfield announced the Pilot Project allowing PABs which meet the federal standards definition for operation on road. PAB riders must follow the rules and regulations of a regular bicycles, wear an approved bicycle helmet and be at least 16 years or older. There are still a number of legal considerations for operating any bicycle in Ontario. 
This is a cool eBike fits in your car's trunk or back seat! It's well made. And it only has one rear disc brake, you dont really need the front brake. It's simple to operate and fun to use - just put one foot on one foot attachment while turning the throttle slightly, then as soon as you start to move add the other foot...and let the joy ride begin!