(d) The driver of a vehicle need not stop upon meeting a stopped school bus:

1. When the bus is in a passenger loading zone completely off the main travel lanes and when pedestrians are not allowed to cross the roadway.

2. On highways where the roadways are separated by an earth or raised concrete median.

(e) The driver of a vehicle must stop upon meeting or passing a stopped school bus:

1. On any two-lane highway.

2. On any four-lane or multi-laned highway where opposing highway is separated only by painted lines on the roadway or a narrow gravel median.

3. When overtaking a school bus which has red or amber signals actuated.