If you have suffered consumer fraud, call 630-333-0000 for a FREE Consultation. Declaratory Judgments - Chicago Consumer Lawyer.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. 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 action is a type of lawsuit that allows businesses and individuals to seek a court's conclusive ruling on an uncertain legal issue. An insured files a declaratory judgment action against their insurer and names an injured third party who shares citizenship with the insured. The estoppel principle in the liability insurance context provides that an insurer that wrongfully denies coverage may not simply refuse to defend the insured. Neither Bertholon nor CIC followed up to determine why he did not fill in the blank. Defendant. ) ) ) ) ) COMPLAINT FOR DECLARATORY JUDGMENT. After an auto accident, one of the first things you may have to do is file an insurance claim for damages.