I have never turned my vehicle off while pumping gas in my life and have yet to have an issue. Especially coming from a Northern state where it gets pretty cold you see a lot of people doing the same thing. What is the potential risk or is it all just a myth?
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This is one of those events in risk management that is low-probability, high-damage potential. This means that although the chance of it occurring is low, the potential damage is catastrophic.
One of the risks is a spark igniting fuel vapors in or around the car. Although pump-to-car connections are relatively secure, they aren’t sealed, so some vapor will be produced outside of the vehicle. The vast majority of times, there won’t be a spark. But if there is, you’ll probably need a good eugoogolizer.
In aviation, it is usually forbidden to gravity refuel aircraft on deck while the engines are running. Pressure refueling is considered acceptable if the pump and aircraft receptacle are designed for it as the more secure connection minimizes vapor build up. Even helicopters which are monsters of static electricity can pressure refuel with engines and rotor spinning.
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