The standard advice for being caught in a lightning storm in an automobile is to stay in the automobile. If lightning strikes, normally the metal skin and body will carry the current harmlessly past anything in the car. But there is a cliche that lightning goes where it wants, and it has been known to punch through an otherwise insulating surface.
I’ve heard that, too, but have been lucky enough not to find myself in the position to put it to the test. :-)
I have a healthy respect for lightning but at the same time, I’m fascinated by it. If storms are moving in, I’m outside to watch until it’s striking a mile or so away unless rain runs me inside first. Hubby hates it because he’s been struck 3 times and he just knows lightning is going to take me out. LOL!