That policy, however, only provided UIM coverage to people defined as “insureds”. In this case, since the named insured was a corporation, the policy specified that only individuals “occupying” a covered vehicle at the time of the incident qualified. The contract defined “occupying” as being “in, upon, getting in, on, out or off” a covered vehicle. ACE denied the claim on the basis that Rahimzadeh, on a bicycle, did not meet the definition.