En banc class-certification decisions are rare, which makes the Sixth Circuit’s decision in Clippinger v. State Farm Automobile Insurance Company, No. 24-5421, — F.4th —, 2026 WL 1113480 (6th Cir. Apr. 24, 2026) (en banc), especially notable. The case was one of a series of cases nationwide brought against various insurers involving automobile insurance claims for