Which situation does NOT involve "occupying" a vehicle according to a Personal Auto Policy?

The correct situation that does not involve "occupying" a vehicle according to a Personal Auto Policy is when Rachel leaves her cat in her car while shopping. The term "occupying" in the context of a Personal Auto Policy typically refers to a person being inside or on the vehicle, engaging with it directly as a passenger or operator.

In this instance, Rachel is not physically in or on the vehicle; she has left her cat inside while she goes shopping. This does not meet the definition of being in a position of occupying the vehicle for the purposes of the insurance policy.

The other scenarios involve individuals who are physically within or on the vehicle, which clearly aligns with the common interpretation of "occupying." Thus, they represent situations where a person is actually engaging with the vehicle, fulfilling the requirement for the occupancy definition under the policy.