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. An insured files a declaratory judgment action against their insurer and names an injured third party who shares citizenship with the insured.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. A declaratory judgment is a binding judgment from a court defining the legal relationship between parties and their rights in a matter before the court. Be careful what you ask for in your declaratory judgment action" could have been an appropriate subtitle. Court, third-party claimants in pending litigation may intervene or be joined in the declaratory judgment action. There are many methods to pursue your rights against an insurance company after a car accident or truck accident.