I've been in two storms where I took cover. The first one I bailed on and called my sister to get me. This was after lightning struck REALLY close to me TWICE. I figured they had my range then, and if I stayed out, 3rd time would be the charm.

In the other one, I was cowering beside the road when lightning struck a telephone pole less than a block away from me. I cowered till I thought the worst of the lightning had passed, then high-tailed it to a c-store. I hid out under the awning there till the frog-strangling rain storm had mostly passed.

I'm not ashamed to admit being scared of lightning. And I live in GA, home of a gazillion thunderstorms.