Like people leave their engines idling while waiting for a pump and that’s not an issue… and if there was a chance of a spark traveling back along the line and ignigting the tank (and thus, the station), then why doesn’t this happen during normal operation?
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The major danger is not the running engine causing the pump to explode. The real danger is if your car pops into gear while you’re fueling it. There’s nobody in the car who can stop it, and the pump’s hose is liable to be torn off. Good news is the hose should have a special valve on it that should automatically seal when sheared. Still, it’s a danger to the property and a major inconvenience to be down a pump, so gas stations ask you to turn off your car to keep this non-zero possibility event from happening.
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