According to Goggle: Panser: This is someone who writes the story as it unfolds before them, with no real plan or direction Plotter: This is someone who is very organized and plans out every step of the book they was to write from being to end.
At a conference a few years ago this was a question from the key-note speaker. It was a term I had never heard before. A writer friend behind me said later when she first heard him say that she thought of me, I was sitting near her, and said panser as far as I was concern. At a conference this year the keynote speaker, the same man, said even if you do a little bit of planning that you were a plotter.
I know that I don’t plan every step of my book out. I have a general idea in my head but as far as writing it down that isn’t my style. I know how I want to do it but I let the characters run a muck so to speak and help me with the direction of the story line.
I only bother to work on an outline when I get stuck or I need to do a character bio that will help me with my story line. I tell people I can’t be bothered to write down an outline when all I want to do is write. But I need to remember that it is okay to plot if it helps advanced the story in the end.
But until then, I will be a panser to my heart content until the need to plot arrives.