just avoided one point he did you did indeed call miller's to request information regarding an umbrella policy but declined that coverage as well so what we have is an individual who shows the history of wanting a bare minimum  about the time in the late ninety's when there was an issue in various jurisdictions regarding insurance coverage of under insured motorists coverage at the bare minimum whether because there was a possibility that insured could use it and benefit from it but they weren't going to charge someone for so about the time that various litigation of which militia was not a party to that litigation show change my policy therefore i am entitled to recommendation by the court that i somehow that was a material change well according to the nicholson case which is what the  in one of the cases cited by the swedish with respect to when a policy loses grandfather status when he is considered to have been immaterial change amount to anything other than simply in those if you didn't get this refusal any removal of mention of this is somehow a material change which according to nichols it's not but if somehow we can construe that is a material change when all is said and you go from page twenty seven years minimum payments to all of a sudden you thousand their position was that that's what he had he just wasn't paying for it and they were going to can something on the declaration page that wasn't being pai coverage and those positions we didn't delete records you have the same coverage before that and after that we just we did mention of coverage that wasn't required by law and that you weren't paying for it but we as a corporation stand behind and would benefit our insured in that reverse situation and like i say a couple times in illinois a couple times no the jurisdictions where the benefit of the insurers they stood behind so there's no reason to believe in no evidence to show that indeed really the only thing i'd want to mention very significantly here is the issue about whether we're the thousand combined single women is exactly the same as and does not exceed twenty person  the statute says and this is great policy issued after one nine hundred eighty three and insurance company cannot issue or renew a policy unless you write them is included in an the forty thousand combined singha limits is greater than the motor vehicle code minimum of twenty forty then you i am sure it has to be included in the policy it's illegal don't think the court needs to reach that my case because for two reasons first because the statute itself says this you write him must be if if you had minimum limits of us is the surest company have to offer you i and the court said no you don't have to offer it because the from so if i'm wrong about the c s l part of this case i think i have a problem but i think i'm right in the other thing i want to mention is this business about well we took it off the decorations way but the coverage was still there which to me is nonsense you know if they said the insurance company if you screw up and you're going to be up in this case three hundred and in louis what happened was that  it was a it was a rejection case the insurance company correctly had the insurers sign a rejection of you i am in excess of the money and the up except the policy was issued before the rejection form was received so in other words the insured was not looking for more you i am coverage you didn't liability limits are increased and neither of that was the the case here in this case is the worst provided the covers didn't need to be listed because it wasn't required by law it was provided and while they can say  looking for is more and the only thing that's more is if he has an uninsured insurance limit above one hundred thousand but here the forty thousand it wasn't listed it wasn't required by law because it was minimum coverage because originally he had requested thirty thousand but with respect to link that call seeing required in order to become invalid policy had to have a rejection this policy was valid before the requirement even took place so which which i guess goes back to the point there are many things maybe not the sort of listed on the decorations page of but we know from history in this case it was an even issue whether it was thirty or forty thousand dollars man probably had thirty to forty companies