Which term in the PAP definition describes being in, upon, or getting in and out of a vehicle?

The term that describes being in, upon, or getting in and out of a vehicle is "occupying." This term specifically refers to the status of being inside or on the vehicle, which encompasses not only the act of sitting in the vehicle while it is in operation but also the actions of entering and exiting the vehicle.

In the context of a Personal Auto Policy (PAP), understanding this distinction is crucial because it relates to coverage specifics. For instance, certain coverages may apply when someone is injured while occupying the vehicle, regardless of whether the vehicle is moving or stationary. Thus, the use of "occupying" captures a broader range of interactions with the vehicle than terms like "operating" or "driving," which focus primarily on the function of controlling the vehicle while it is in motion.