he had purchased a chevrolet through his business eleven days before the heirs and what's most important about this in this case is that the restriction on these policies say that if it's available for your regular use  said you've got thirty days furthermore mr mirabel himself placed that edition of restriction on himself because as his son testified in his nose editions part of the record as well of we really don't refer to it in the in the b week and this is not a situation where the risk was really country companies then it was headed not being in this car he'd been in the you were or his neighbor's car or anybody else's car fairness orally restriction on the use by the owner of the vehicle and in this case jail auto to potentially use or which is mr maralal in this case the record is devoid of any restriction that was placed by personal use only bolsters our position with respect that is available for his regular use because he uses running with any reason why and the record is void of any reference to any restriction done by j f k and i might  respect to allowing a potential my potential buyer to test right know and in fact he did and there's no evidence that that was that it was being offered for that purpose to him at all there's no evidence that that went out and bought insurance it had its own house and that's in the record g m family did have a policy of insurance that didn't cover this vehicle and in fact they paid out on their policy so the discussion w marilee's are asking that it also be considered an insured vehicle under another policy insurance despite the fact that they're already have insurance and so under the circumstances and based upon the chronology of events here the record  he is in a situation where he is because this is exactly the reason he has unlike aig prospective purchaser will have a limitation to to use it so for example i'm going to let you go as a prospective buyer and drive and drive to florida and then come back but that's not an unlimited grant of the of the use there is a limit that's provided there on in those circumstances meaning you don't get used or rather it's just for the time it takes to evaluate whether or not you want to purchase the employee isn't that exactly what he did  but is part and parcel of that j f k never said you know as part of this you can only use it for a loan that's theirs and that the record is completely devoid of that and in fact the other possibility is that he decides not to buy it and he leaves it in restrictions that are out there because otherwise you're going to get a situation where you're going to have an individual person saying wall i should be covered under this because i know i planned on buying this two months from now and that that opens up a can of worms with respect to whether or not you have the ability did not both of these should have been denied and sent back for trial because it's expressly within the language of the policy because there's no restriction on use because he had already paid for insurance from another company and those are premiums that were not paid to factor to be considered in the circumstance and if you look at the distinctions with the courts of may whether or not it's considered available for regular use not the fact of the seems to me in each and every case and i and i as i look at these cases of preparation for the arguments today absolute free rein use of me at all without any restriction and then not in a court finding that you know that he didn't fall within this exclusion or limitation of coverages here so and again i think this is a burden of proof the primary coverage is always coverage on the car so the driver of somebody else's car is the case here can have access coverage as is the case here so the fact that this matter has already been resolved with the exclusion if it's available for your regular use so there are cases where the word of a vigil has been discussed and followed in favor of the inch or the other thing i want to bring up is that he talks newly acquired pack and i'm referring days under the country company's policy to ensure there so i submit to you that the day that he decided to drive it to florida was the day that he acquired their view and by their own concession again his thirty premiums and also that it's hazards under the insurance would be increased again mr murray i was trying to pay them premiums what do i need to do to get this vehicle insured they said don't worry about it turn down the o there's no question that it would have been a sure he did everything that he could to make sure that he and his wife's family were insured for this was and i submit to your honor's that the public should apply and