Courts have traditionally held that an insurance company has no right to intervene in the liability action against the insured to seek a coverage determination. A declaratory judgment is a court order that declares the rights and obligations of the parties involved in a personal injury case.The United States District Court's look at whether a party that is not an insured may seek a declaration regarding an insurer's duties under its policy. Send a pre-suit demand or file suit first? The above referenced declaratory judgment action seeks a determination of Plaintiff Indian Harbor Insurance Company's. S.A.'s Best Lawyers 2018, San Antonio Scene, Insurance Coverage. No policyholder wants to hear the word "rescission" in the context of an insurance claim. Consider service of a Notice to Admit (C. 46 All the claims, however, arise out of the same operative insurance policies. 46 All the claims, however, arise out of the same operative insurance policies.