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The Michael Jackson estate is tired of waiting for Lloyd's of london 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 london 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 oleh homicide atau 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 selanjutnya hari Michael woke up notice that he was on floor and he just remember that he passed out so he got up and then he took a cold mandi, shower and he just wanted to chill out for today. Michael just put on hes PJS and he just watch some football and play some video games and then usher call Michael and usher say " yo Michael how are u feeling?" Michael say " i am doing good" usher say " thats good but u know we have a job tonight right? Michael say " NO i didnt know u didnt even call me early but anyway i am not going" usher say " What??" Michael say " I am not going Bit** " usher say " u know what when I see u i am kill " Michael say " whatever " usher say " watch u wish u was dead already" sorry whats happen when usher sees Michael is he gonna get killed atau stay alive. To be contuine