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Occupying Clause


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.

Related Rules

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Boulter v. Hartford Fire Insurance Company