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Click here for the full text of this decision Whether the insurer was required to issue hired and non-owned automobile insurance with PIP and UM/UIM coverage is a question of law that may be appropriately decided by invocation of the UDJA. FACTS:Appellant Jeanne N. Taylor D.D.S. appeals a district-court summary judgment dismissing her suit against appellee State Farm Lloyds Inc. Taylor alleged in her suit that State Farm violated Articles 5.06-1 and 5.06-3 of the Texas Insurance Code when it issued Taylor’s business a multi-peril insurance policy with “hired and non-owned auto liability” coverage without providing personal injury protection (PIP) or uninsured/underinsured motorist coverage (UM/UIM). State Farm moved for summary judgment, and Taylor moved for partial summary judgment. The district court granted State Farm’s motion, and dismissed Taylor’s case. The issue presented is whether PIP and UM/UIM coverage is mandatory when an endorsement for hired and non-owned auto liability is added to a business’s multi-peril insurance policy. HOLDING:Affirmed. Taylor sought a declaratory judgment in district court to determine whether State Farm had violated the Texas Insurance Code by issuing hired and non-owned auto liability insurance without providing PIP or UM/UIM coverage. The purpose of a declaratory judgment is “to settle and to afford relief from uncertainty and insecurity with respect to rights, status, and other legal relations; and it is to be liberally construed and administered.” However, the Uniform Declaratory Judgments Act (UDJA) does not confer jurisdiction on a trial court but rather makes declaratory judgment available as a remedy for a cause of action already within the court’s jurisdiction. Thus, this court must determine whether Taylor’s request for declaratory relief is germane to a justiciable controversy already within the court’s jurisdiction. A justiciable controversy need not be “a fully ripened cause of action.” Texas Dep’t of Pub. Safety v. Moore, 985 S.W.2d 149 (Tex. App. � Austin 1998, no pet.) (citing Ainsworth v. Oil City Brass Works, 271 S.W.2d 754 (Tex. Civ. App. � Beaumont 1954, no writ)). However, the fact situation must manifest the ” ‘ripening seeds of a controversy’ . . . even though the differences between the parties as to their legal rights have not reached the state of an actual controversy.” In other words, there must either be a pending cause of action between the parties or such a clear indication of the extent of the parties’ differences that a court may presume one is imminent. In the present case, although Taylor has not filed a claim against State Farm on the hired and non-owned auto liability coverage in her multi-peril policy, she asserts that State Farm has already violated Articles 5.06-1 and 5.06-3 of the insurance code by issuing automobile insurance without including PIP and UM/UIM coverage. The language of both articles suggests that if Taylor’s understanding of the insurance code is accurate (that hired and non-owned auto liability coverage must be issued with PIP and UM/UIM coverage), State Farm has indeed already violated the statute and has thereby infringed Taylor’s legal rights. Whether State Farm was required to issue hired and non-owned automobile insurance with PIP and UM/UIM coverage is a question of law that may be appropriately decided by Taylor’s invocation of the UDJA. As such, Taylor’s controversy is ripe for adjudication, and the court has subject matter jurisdiction to hear her case. OPINION:Smith, J.; Kidd, Smith and Puryear, JJ.

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