Supreme Court of Georgia September 15, 2003, S03G0360 (Drawdy v. Direct General Insurance)

Hunstein, Justice.

We granted certiorari in this insurance case to consider the pro

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cedural question whether an automobile insurer, after expressly denying coverage without qualification or conditions, may bring an action for declaratory judgment to determine its contractual duties to its insured when no litigation is pending against the insured at the time the declaratory judgment action is