1, 6 (1st Cm. 1991). While we can agree with Reliance that people in Plaintiffs’ shoes cannot wait indefinitely, even the Bezanson case, on which it relies, states that the time limit is one of reasonableness. We need not decide here what might be an outer limit of reasonableness. The facts of this case are that Decedent was hospitalized and died well within the time during which the summaries of the Policy could be construed to say that he would be billed for the premium. (“Premiums will be billed directly to you on a quarterly, semi-annual or annual basis.”) For the reasons stated, we conclude that the trial court could not have granted summary judgment by concluding that Reliance did not have to provide Decedent with a premium notice. See Garcia, 108 N.M. at 395, 772 P.2d at 1318 (<HOLDING>). III. MAILING OF PREMIUM NOTICE {40} At the
holding that if summary judgment is reversed and remanded parties are not limited to theories asserted in original summary judgment at later trial on merits holding that trial court may not grant summary judgment by default  when the movants summary judgment proof is legally insufficient holding that summary judgment may be reversed when it is based on an error of law recognizing that appellate court may reverse trial courts judgment when it is based on an erroneous conclusion of law holding that affidavit in support of summary judgment may not be based upon factual conclusion or conclusions of law