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. Everest National Insurance Company ("Everest") brings this Complaint for.An insurer may want to file a declaratory judgment action before the policyholder files suit so that the insurer has the first choice of available forums. A declaratory judgment is a court-issued judgment that defines and outlines the rights and obligations of each party in a contract. The issues will be decided in the declaratory judgment part of the case. Filing this motion, filing the Cook declaratory judgment action in state court, and then resisting efforts to remove that action to this court. Novel Insurance Coverage Issue? File a Declaratory Judgment Action in Federal Court, Right? Columbia is in the business of providing and underwriting insurance. Court of Cook County (Doc.