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The Michael Jackson estate is tired of waiting for Lloyd's of Londres to pay out on the $17.5 million "This Is it" insurance policy -- so they're going after Lloyd's in court ... demanding they pay up, stat.

Lloyd's of Londres originally issued the policy to cover potential losses for MJ's 2009 "This Is It" concerts -- but earlier this year, the company asked an L.A. court to declare the policy null and void ... claiming MJ lied about his medical history and drug addiction.

Lloyd's insists the policy "was restricted to losses resulting from accident only" -- pointing out Michael's official cause of death was "homicide."

But the estate is now on the offensive -- filing a cross-complaint, claiming MJ never intended to die, whether por homicide o not, so his death still qualifies as an accident.

But the estate isn't just settling for the original $17.5 million -- they also want punitive damages. FYI, suing for punitive damages often scares the crap out of insurance companies.
The siguiente Michael wake up and he goes in the bathroom and he took ducha, ducha de and he got ready and he put hes clothes on and then Michael went down stairs and he dicho " dad and mom i wanna drop out of school can i do it?" dad dicho " No just because that girl name Rosie come in your life tu want srew it up just because that girl I'm not let tu do that I know I haven't been there I wanna try to be there for tu now Michael I amor YOU" Michael dicho " look father I dont know what got in to tu but I'm droping out of school so leave at that" mom dicho " no tu not Michael don't start actuación like this...
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The siguiente día Michael wakes up and he sees hes parents in the room and Michael dicho " hola mom and hola dad "( did a ugly face) dad dicho " honey can I talk to my son alone?" mom dicho " yea sure" so then mom left the room dad dicho " michael i dont like tu and i know tu dont like me but for tu mother sake we gonna have to mostrar her that we amor eachother" Michael dicho "nah im good if i dont like tu i dont like tu got it" Rosie then checked in to see michael to tell him she never wants to see him again and when she was done saying that michael dicho " but rosie" Rosie dicho but rosie my culo you...
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"It feels so nice to have some time to myself." Michael thought. He had had his hands tied due to a reciente death in the family; he was in charge of most of the funeral preparations & on parte superior, arriba of that, he hadn't been feeling too well lately. But today was different, it was the first time in nearly two weeks that he could leave his apartment for some personal time. Little did he know where that "personal time" was going to take him today.

It was going on eleven when Michael arrived at the kiosk, & ordered a large black coffee. As he was waiting, Michael noticed a young woman sitting alone...
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Sources directly connected to Dr. Conrad Murray tell TMZ ... the Doc will not accept any plea bargain from the L.A. County District Attorney in the Michael Jackson manslaughter case.



We're told Dr. Murray feels so strongly about his innocence, even a plea with no jail time would be out of the question.

Fact is ... Dr. Murray shouldn't hold his breath, because no plea bargain has been offered and sources tell us the D.A. will not offer one.

As for Murray's defense ... we're told the centerpiece revolves around the fact that only two people were in the room around the time MJ died, and Murray insists he did not administer the fatal dose of Propofol.

The operating theory of Murray's lawyers -- when the Doc left to go to the bathroom, a frustrated MJ woke up and administered the fatal dose himself in a desperate attempt to get some sleep.