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Occupying Clause

Occupying Clause

Definition

A provision in an insurance policy that typically provides uninsured-motorist coverage to those who are in, on, or getting in or out of the covered vehicle when injured by an uninsured motorist. Some jurisdictions apply a reasonable-connection test instead of traditional contract-law principles to extend the meaning of occupying to include someone engaged in expected activities connected to and within reasonable proximity of the covered vehicle in time and distance.

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