File a Consumer Complaint with us. After you complete the online Consumer Complaint form, the system will allow you one opportunity to attach the documents.STEP 4: Fill out the "Civil Complaint" form. ▫. A civil complaint is a form a plaintiff files with the court clerk to begin a lawsuit. ▫. Declaratory Judgment Actions are utilized to determine insurance coverage issues and to prevent bad faith allegations. STEP 1: USING BLACK INK ONLY, Fill out the "Civil Cover Sheet. " ▫ Write in "Maricopa" as the county. An insurer may notify its insured that it is defending under a reservation of its rights to contest coverage and its ultimate liability for a judgment. When the carrier disputes coverage in a first party claim the declaratory judgment strategy has potential benefits but little risk. 1. Benefits:. B. Complaints and Allegations.