A motion to lift the automatic stay to allow a tort claimant to proceed against the debtor's insurance coverage is one of the simpler pleadings to file in bankruptcy. Because insurance involves a third party's obligation to defend a suit or pay claims, property of the estate is not implicated. While the debtor remains a nominal party to the suit (thus requiring the stay to be lifted), the insurance company has the real economic interest. However, this is not always the case.
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