When the lady's area isn't ready, so the guy simply fucks her through her pants.
Billy and Susie are making out and things got intimate.
Billy "I want to have sex with you"
Billy *takes his pants off and gets a handy from Susie while making out"
Billy "Can i atleast finger you?"
Susie "No, my area isn't really ready"
Billy is too horny so while his dick is out and is getting a handy he acts like he is fucking Susie while she has her pants on. Ending with susie being "Pants Fucked"