If it has pedals it's an ebike.
Where I'm at we abide by 1 horse power ratings. Federal standards to register our ebikes is a simple solution. When registering one's ebike on the application form write down 500w for ebike.
$30 will get you a permanent decal for your bike to be ridden on any bike ways.
No need for insurance, rider must have a valid License tho.
Shees we got kids under 15 where they are required to wear a helmet on ebike and we don't enforce it.
Everyone pretty much knows their limitations on an ebike.
Anything more than 1 horse power it has to be registered as a recreational vehicle for instance you cannot ride your dirt bikes to the track or trails if you dirt bikes are not registered with the county you are in.