Joseph Koehnen v. Rachel Paul

___________ No. 95-2142 ___________ Joseph L. Koehnen, * * Plaintiff - Appellant, * * v. * * Appeal from the United States Herald Fire Insurance Company, * District Court for the * District of Minnesota. Defendant/Garnishee - * Appellee, * * Rachel Sarah Paul, * * Defendant. * ___________ Submitted: December 14, 1995 Filed: July 11, 1996 ___________ Before BOWMAN and LOKEN, Circuit Judges, and WOLLE,* Chief District Judge. ___________ LOKEN, Circuit Judge. When a liability insurer denies coverage and refuses to defend its insured, Minnesota law allows the plaintiff-claimant and the defendant-…