FACTS AND PROCEDURAL HISTORY
¶ 1 Appellant, Robert Wayne Leritz (Plaintiff) is a Kansas resident whose motorcycle and two other vehicles were garaged in Kansas under an insurance policy issued by Ap-pellee, Farmers Insurance Company (Farmers) in Kansas. Plaintiff was injured in a motorcycle accident in Oklahoma on July 7, 2008, when Defendant, Larry Allen Yates, made a left hand turn and collided with Plaintiff causing serious bodily injuries, Plaintiff brought this action alleging that he had incurred medical expenses and suffered damages exceeding Yates’s liability coverage. There was a question as to whether he could stack his uninsured motorist (UM) coverage based on his ownership of policies on each of his three vehicles. Oklahoma allowed the practice,1 until the Oklahoma Legislature amended the UM provision, section 3636 of title 36, in 2014 to provide: “Policies issued, renewed or reinstated after November 1, 2014, shall not be subject to stacking or aggregation of limits unless expressly provided for by an insurance carrier.” 2014 Okla Sess. Laws ch. 307. Kansas does not allow stacking. The trial court granted summary judgment to the insurer and the Court of Civil Appeals affirmed, applying the insurer’s proposed solution to a perceived conflict of laws issue. However, there is no conflict of laws issue on these facts because the policy specifies which law will apply to an issue of stacking of policies. Giving the policy provisions effect makes a choice of law analysis unnecessary.2
*993STANDARD OF REVIEW
!2 An order that grants summary judgment, in whole or in part, disposes solely of law questions. Brown v. Nicholson, 1997 OK 32, ¶ 5 n. 1, 935 P.2d 319, 321 n. 1. It is reviewable by a de novo standard, Kluver v. Weatherford Hosp. Auth., 1993 OK 85, ¶ 14, 859 P.2d 1081,1084.
ANALYSIS
¶ 3 By its terms, the policy “applies only to accidents, occurrences, and losses during the policy period shown in the Declarations which occur within the United States, its territories or possessions, or Canada, or while the motorcycle is being shipped between their ports.” The policy further contemplates out of state coverage by providing:
An insured person may become’subject to the financial responsibility law, compulsory insurance law or similar law of another state or in Canada. This’ can happen because of the ownership, maintenance or use of your insured motorcycle when you travel outside of your home state. We will interpret this policy to provide any broader coverage required by those laws, except to the extent that other liability insurance applies. No person may collect more than once for the same elements of loss.
(Emphasis added). Most importantly, the policy addresses specifically the issue of stacking of UM coverage and links it to the state law of the state in which the accident occurred by providing: “Subject to the law of the state of occurrence, we will pay no more than these máximums regardless of the number of vehicles insured, insured persons, claims, claimants, policies, or vehicles involved in the occurrence.” (Emphasis added). Thus, the policy limits stacking, but only if the law of the state of occurrence limits stacking.3 Oklahoma law did not limit stacking.4 Therefore, under the policy’s choice to defer to the law of the state of occurrence regarding stacking, the policy holder was entitled to stack UM coverage.
¶ 4 The parties and the Court of Civil Appeals became distracted from the policy language by a dispute concerning whether a conflict of law determination should be made according to Oklahoma’s conflict of law statute concerning contracts, this Court’s case law, or the UM statute found at section 3636 of title 36. There actually is no dispute because the policy provides its own choice of law provision concerning the stacking of UM .coverage. Unfortunately, the policy provisions have yet to be given effect by the lower courts. This matter,is remanded to the trial court for application of the policy provisions.
CERTIORARI PREVIOUSLY GRANTED; OPINION OF COURT - OF CIVIL APPEALS VACATED; JUDGMENT OF DISTRICT COURT REVERSED; CAUSE REMANDED.
CONCUR: Reif, C.J., Combs, V.C.J., Kauger, Watt, Edmondson, Colbert, J.J. DISSENT: Winchester, Taylor, Gurich (by separate writing) J.J.. The policy in this matt.er has a renewal period of July 6, 2008, until January 29, 2009. Therefore, the statutory prohibition on the stacking of UM coverage does not apply to this dispute.
. Generally, "[t]he law of the state chosen by the ..parties to govern their contractual rights and duties will be applied....” Restatement (Second) Conflict of Laws, § 187 (1971); Fossil Creek Energy Com, v. Cook's Oilfield Servs., 2010 OK CIV APP 123, ¶ 11 n. 5, 242 P.3d 537, 541 n. 5. *993See also. Telex Corp. v. Hamilton, 1978 OK 32, ¶¶ 7-8, 576 P.2d 767, 768 (implying that, even if the contract had not been entered into and performed in Oklahoma, Oklahoma law would have been applied because the contract so provided); 43 Am. Jur. 2d Insurance § 337 ("Where it is provided by the contract of insurance itself that it shall be construed in accordance with the laws of a designated place and the stipulation is valid, such stipulation as a general rule controls the construction and effect of the contract_").
. The courts will read the provisions of a contract "to give effect to the intention of the parties as ascertained from the four comers of the contract-” Okla. Oncology & Hematology P.C. v. US Oncology, Inc,, 2007 OK 12, ¶27, 160 P.3d 936, 946. See also Okla. Stat. tit. 15, § 155 (2011)("When a contract is reduced to writing, the intention of the parties is to be ascertained from the Writing alone, if possible, subject, however, to the other provisions of this article.”.).
. This Court adopted the stacking rule in 1976 in Keel v. MFA Ins. Co., 1976 OK 86, ¶ 13, 553 P.2d 153, 156 ("We, therefore, hold where an insured has been issued multiple automobile policies containing uninsured motorist coverage for which a premium has been paid, the extent of the coverage is the combined total amount of such policies.”).