Withrow v. Pickard’s Empirical Analysis

Citation profile

2 federal appellate · 11 state decisions

Most-quoted passages

The sentences later courts lift from this opinion, ranked by how many decisions quote each — the parts of the opinion doing the work. These counts are smaller than the citation total above because most of the 13 citing decisions cite the case generally; a passage count includes only decisions quoting that exact language verbatim.

1. ““It is well settled in Oklahoma that insureds may stack their UM coverage for the additional vehicles under a policy if they have paid separate UM premiums for each vehicle, or if they have separate policies and pay UM premiums for each policy.” Kinder v. Oklahoma Farmers Union Mut. Ins. Co., 813 P.2d 646 , 548 (Okla.Ct.App.1991), citing Lake v. Wright, 657 P.2d 643 (Okla.1982); Richardson v. Allstate Ins. Co., 619 P.2d 594 (Okla.1980); Keel v. MFA Ins. Co., 553 P.2d 153 (Okla.1976).... As we said in Richardson , where an insured pays multiple premiums for UM coverage based upon the number of vehicles covered in a policy, “the number of uninsured motorist coverages on which [the] insured is entitled to rely is determined by the number of premiums paid.” Id., 619 P.2d at 597 .”

   2 later decisions quote this exact passage
   e.g. Wilson v. Allstate Insurance Co. · Haberman v. Hartford Insurance Group

2. “[A]n insurer [is not required] to sell (or offer to sell) stackable UM coverage in a single insurance policy which covers multiple vehicles. Limiting an insurer’s liability to single UM coverage, where multiple vehicles are insured under one policy, is not against public policy when only one premium is charged for UM coverage and the policy clearly shows that the insured intended to agree to such a limitation.”

   2 later decisions quote this exact passage
   e.g. Mid-Continent Group v. Henry · Wilson v. Allstate Insurance Co.

3. “I have read the explanation of the uninsured/underinsured motorist coverage in the paragraph above and on the reverse side of this form and understand what the coverage is and the options as to the purchase or rejection of that coverage. I further understand that because only one premium per policy is charged for uninsured/underinsured motorist coverage, regardless of the number of automobiles insured under the policy, only one limit of protection applies to any claim arising out of any one accident to which this coverage is applicable.”

   1 later decision quote this exact passage
   e.g. Breakfield v. OKLAHOMA FARMERS UNION MUTUAL INSURANCE CO.