NOTICE TO THE DEFENDANT: In the name of the people of the State of Michigan you are notified: You are being sued. How to File a Complaint With DIFS.Complaint for declaratory relief—To determine rights and liabilities under liability insurance policy. Insurance Coverage and Bad Faith. John's filed a complaint for declaratory judgment in the present case. Or, it could file a Complaint for Declaratory Relief (Declaratory Judgment) asking the court to determine if coverage is applicable. , as Trustee of the Fruit of. To determine whether an insurer has a duty to defend, we compare the allegations of the underlying complaint with the coverage provided in the insurance policy. Actions 'may always bring a declaratory judgment action to determine a tortfeasor's coverage under an insurance policy. Appellants had filed a complaint in the United States.