A.   Notwithstanding chapter 321A, Code of Iowa, which requires certain persons to maintain proof of financial responsibility, a person shall not drive a motor vehicle on the highways of this State unless financial liability coverage, as defined in section 321.1, subsection 24B, Code of Iowa, is in effect for the motor vehicle and unless the driver has in the motor vehicle the proof of financial liability coverage card issued for the motor vehicle, or if the vehicle is registered in another state, other evidence that financial liability coverage is in effect for the motor vehicle.
   B.   It shall be conclusively presumed that a motor vehicle driven upon a parking lot which is available to the public without charge or which is available to customers or invitees of a business or facility without charge was driven on the highways of this State in order to enter the parking lot, and this section shall be applicable to such a motor vehicle. As used in this section, "parking lot" includes access roads, drives, lanes, aisles, entrances, and exits to and from a parking lot described in this paragraph.
   C.   This section does not apply to the operator of a motor vehicle owned by or leased to the United States, this State or another state, or any political subdivision of this State or of another state, or to a motor vehicle which is subject to section 325A.6, Code of Iowa.
   D.   This section shall be applied and enforced in accordance with section 321.20B4 - 9 Code of Iowa.
   E.   Violations of this section shall be punished as stated in this subsection:
      1.   For violations of this section occurring in situations not in conjunction with a motor vehicle accident the penalty shall be two hundred fifty dollars ($250.00).
      2.   For violations of this section occurring in situations related to motor vehicle accidents, the penalty shall be five hundred dollars ($500.00). (Ord. 04-17, 4-18-2017)