If you have suffered consumer fraud, call 630-333-0000 for a FREE Consultation. Declaratory Judgments - Chicago Consumer Lawyer.A Declaratory Judgment action asks the court to interpret the policy and decide whether there is coverage or there is no coverage. A declaratory judgment is a special type of lawsuit that allows you to seek a court order explaining the legal rights and duties of the parties to the suit. The estoppel principle in the liability insurance context provides that an insurer that wrongfully denies coverage may not simply refuse to defend the insured. Chicago Cab was not covered, the trial court granted summary judgment in favor of IIGF. Seek a declaratory judgment in a timely manner. (rejecting National Union's argument that its request for a judicial determination after plaintiffs filed. Plaintiff complaint advances claims under the Illinois Declaratory. After an auto accident, one of the first things you may have to do is file an insurance claim for damages.