Who is considered to be "occupying" a vehicle?

"Occupying" a vehicle refers to the act of being physically inside and using the vehicle, which typically includes those who are getting in or out of it. This definition encompasses not only the driver but also passengers who are actively engaging with the vehicle, whether by entering or exiting.

In this context, someone who is getting in or out of a vehicle is directly interacting with it, which aligns with the established definition of occupying a vehicle in insurance terms. This activity implies a level of risk and responsibility associated with the vehicle, which is why it is pertinent to insurance policies.

Other options fail to meet this definition appropriately. For instance, standing beside a vehicle does not constitute occupying it, as there is no engagement with the vehicle while merely standing next to it. Only the driver of the vehicle would be too restrictive, as passengers also occupy the vehicle. Lastly, anyone in the vicinity also does not hold the same implication, as proximity alone does not equate to occupation. Therefore, getting in or out is the clear and accurate representation of "occupying" a vehicle.