in or on a motor vehicle

A clause depicting the risk of loss under a policy of accident insurance which, as such, is to be construed in favor of the insured. 29 Am J Rev ed Ins § 262. Having the body in some sort of physical contact with the automobile, not necessarily sitting in the place provided for the seating of passengers. 29A Am J Rev ed Ins § 1241. The insured does not have to be actually or wholly on the car in the sense of being entirely off the ground. In some instances, the coverage has been held to extend to situations in which there was actually no physical contact, before injury, between the person injured and the automobile, it appearing, however, that such person was either preparing to enter the automobile or in close proximity thereto after alighting. 29A Am J Rev ed Ins § 1241.