Fill out the contact form or call us at 630-333-0000 to schedule your free consultation. Name Email Phone Message.Declaratory Judgment. 13. C. Denying Coverage and Pursuing a Declaratory Judgment Action. 13. 1. An insurer in a declaratory judgment action may introduce evidence outside of the policy and underlying complaint in certain circumstances. Insurer gambles on denying coverage rather than defending under a reservation of rights or filing a declaratory judgment. The Illinois courts have had. Plaintiffs, Larry and Myra Reagor, filed a complaint for declaratory judgment in the circuit court of Cook County. In Illinois, most insurance coverage disputes are litigated in declaratory judgment actions. A declaratory judgment that there was no coverage.