This is a great example of how this sort of thing is presented by the promoters of the woo.
Notice that text deliberately primes the viewer before he or she interprets the photo. That is, the viewer is instructed as to what he or she is supposed to see in the picture (text bolded by me, above). The suggestion about what the photo shows is implanted in the viewer's mind, making it more likely that they will agree with the line being pushed by the woo promoter.
Let's look at the rest. We are told that Mrs Sayer says there was nobody sitting beside her, which further reinforces the rest of the sentence and makes sure that we're ready to be surprised and shocked to see the supposedly ghostly figure.
We are told that Mrs Sayer felt cold even though it was a hot day; obviously we're to assume that there's no reason she would feel cold other than the ghostly presence we're supposed to perceive.
That's assuming this is true report of something Mrs Sayer actually said, of course, and there's no reason to trust a third or fourth-hand report about that.
We're told that other photos were taken by they "didn't come out", which explains away the inconvenience of not being able to compare this shot to any others that might help arrive at a correct interpretation of the photo. And once again we face the real possibility that these supposed "other" photos were never taken in the first place, or perhaps that they actually did come out but showed why this photo doesn't show a ghost.
The woo promoter gallops along. Having assumed there's a ghost, he moves on to trying to account for it within the usual mythology of the ghost "movement". Clearly, somebody must have died, leaving a ghost behind. So, the history of the helicopter is told, even though it might be completely irrelevant. It doesn't matter, because for the woo promoter, any vague possibility or suggestion that might explain a ghost is as good is rock-solid evidence.
When faced with this kind of nonsense, the best thing to do is to ignore the promotional text and just think about the photo itself. What are we looking at here?
In this case, it's fairly obvious: we're looking at sunlight (or some other bright light) reflected off the windshield of the helicopter. This conjecture is supported by the additional bright reflection off the front of the helicopter (i.e. outside the cabin, and disconnected from the supposed "ghost"), which shows the same colour light reflected at high intensity. This wouldn't be unexpected if we accept the "hot day" part of the story - bright sunshine etc. The light on Mrs Sayer's face also supports the existence of the bright light source (probably the sun).
There's no white shirt in the photo, let alone one that can be "clearly seen". There is no "figure", other than the one that can be imagined using the vagueries of the imperfect reflection from the curved windshield.
Magical Realist gets suckered in by this kind of rubbish all the time; this is just one more ho hum example of his gullibility.