For insurance cases, the courts rule like this. For cases involving the US Constitution, they like to play a little more fast and loose with the language.
Actually, this was an appeal overturning of a fast and loose decision by Judge Stanwood R. Duval, Jr., a Clinton appointee who decided to issue an injunction against "Choose Life" license plates because there were no "Choose Abortion" plates available (Planned Parenthood filed the suit). That was overturned unanimously, and I'm glad that Judge King's panel overturned this one.
This type of rational judgment is probably why Judge King was praised by Justice Renquist and recently honored.