harveys of two thousand for mr scrafton was transferred to home on a brasco at that time his working for the pacific railroad and his job was originally based in st louis but there was a change with the railroad they moved their operations thinking was will perhaps michael will be able to transfer a good job in southern missouri so they would be closer to home has mrs fred willard testified in her deposition everything was sort of up in the year at this time the family was going to make it fit his decision as to where they were living in the spring of two thousand and five when their two girls got out of school and that they were going to decide where they live and stay with permanent residency at some location way they were in terms of their insurance until the family made a final decision during the whole time just where they're going to live i live with that question though mr podesta about the fact that i think quite follow is that apparently then there and being driven by a different person than mr the mr farrah and my question is do the who decides that i mean obviously she reported something different to the company than what was stated in the policy so how is it that that policy got written that way because that was what the agent agreed to do with this what they wanted and the agent regardless of who's driving car especially when you've got a couple of teenage daughters as in this case or sometimes i guess the agency frequently makes up the assigned drivers to cars based on what will be the premium absolutely because they want to keep the best they want to keep it and regardless of whether that's true or not the company still covers right and there's no claim here that there was any funny business by the family that they've called and said we want to do the right thing i guess we don't know exactly what to do you know i'm sure that's why she called she thought that hey i got alert the company that took this change and so then from there it's the company's you've got he's got to get a new policy through and different agency in the basket he would have done that for pay but it's not just the company she wanted to keep things the same while that from her statement that we want to keep things the second the record of what was done in the policy record of what was done because there's a record of the deck she's in the bills and so on so there she said she wanted to keep the insurance the city until they made a they get a new car the worry of all five it's listed on the policy michael is the principal driver and again there's a reason for them that this is going to get five hundred thirty one dollars ninety cents for the key six hundred  the agent that knows what car combination is going to get the cheapest break and all i'm saying is that she did tell him who actually was driving what car and where it would be and somehow it the accident in nebraska was was on the policy it's not even being in the past when all along your company knew it was a number ask even though it says on the policy it wasn't and you are then switching back and saying that was because she wanted to do it it was legal and ok by a company to do it even though the car was in another state because they were going to leave the city and people but i mean it is ok that the car was in another state and even though the polic written a different way for i was and this was happening just to make another point here i mean this is not a situation where you have an independent agent country companies agents are employees of country kind of threats and so they combine country companies by their actions whereas an independent agent is considered to be the agent of the insurer right ok so it was like i was saying this vote let me get back to another point i want to make discount to have it on their policy and he was covered but a month later when they have the when he has his accident in april or i'm sorry there were five now when taking the position know he's in the restaurant so they get i mean just say every bright line rule from the supreme court that says the location of the car if the company goes to the car is that's the location of the car nothing else means anything it's the only that's the only criteria i don't think that's worth the case  ok i understand that but i mean we can argue the toss up here about what they knew about where the car was you know but that doesn't change anything about where the accident occurred or that they knew he was in the breast and good and insured gave him so ferry so but what i've heard the say is i mean people drive vehicles all basically all over and we have the interstate highway system people take trips you can have an accident in a number of different states but the policy that applies is the policy that's issued from illinois that tells you how much coverage you have you can make that you claim are you implying that that's the private contractor review you have with your with your insurance company in terms of of the other factors i mean to me that they have some bearing on this because the cases say it's a number of factors that are to be considered one might be important no question about they are heard but it's not like just ignore everything else and i think that's benefits of the discount they got to keep all their vehicles in illinois even though it might not have been the most accurate situation with some of the younger people driving some of these vehicles maybe but that's not something on your ordinary or industry practice if this answer no question ok why now he was not up for renewal he did not plan his intentions were not to be there he was hoping to relocate i should say and they have said see two five six two five seven of the record this is crap it's also says explained his job was there so he went with his job he wanted to transfer there is no evidence anywhere in the record of an intent to actually establish permanent residency and on didn't get any mail or didn't get any bills or didn't get a license didn't title  apartment because his intent was not to be there so i think it's very clear that this experiment was a resident of omaha when this accident happened it is true though isn't that the risk that kept the companies insured went to nebraska with their knowledge and consent he's driving this vehicle the risk that they're insuring something is going to happen while he's operating a vehicle or whatever under the policy it was in the bask