
    Theresa L. SCHREIB, Plaintiff, v. AMERICAN FAMILY MUTUAL INSURANCE CO., Defendant.
    Case No. C14-0165JLR.
    United States District Court, W.D. Washington, at Seattle.
    Signed Sept. 3, 2015.
    
      Christopher Michael Davis, Gregory Stephen Colburn, Davis Law Group, P.S., Bradley Jerome Moore, Stritmatter Kessler Whelan, Seattle, WA, for Plaintiff.
    Rory.W. Leid, III, Aiison Elyse O’Neill, Kimberly Larsen Rider, Cole Wathen Leid Hall PC,, Seattle, WA, for Defendant,
   AMERICAN ORDER GRANTING DEFENDANT PARTIAL SUMMARY JUDGMENT

JAMES L. ROBART, District Judge.

I. INTRODUCTION

This matter comes before the court on three motions for partial summary judgment. Defendant American Family Mutual Insurance Company (“American Family”) first moved for partial summary judgment on the measure of damages. (Damages Mot. (Dkt. #67).) In her response to that motion, Plaintiff Theresa Schreib cross-moved for partial summary judgment on the same issue. (Damages Resp. (Dkt. # 72).) Finally, American Family moved for partial summary judgment on the availability of Olympic Steamship fees. (Olympic Mot. (Dkt. # 75).)

Having considered the submissions of the parties, the balance of the record, and the relevant law, the court GRANTS American Family’s motions for partial summary judgment on the issues of damages and Olympic Steamship fees.

II. BACKGROUND

The vast majority of facts in this case are undisputed. Ms. Schreib was involved in an uncontested liability automobile collision in April, 2009. (Compl.(Dkt. # 3) ¶ 2.1.) She alleges that, as a result of the collision, she incurred a mild traumatic brain injury, in addition to neck, back, and hip injuries. (Id. ¶ 2.5.) American Family disputes the extent to which Ms. Schreib’s alleged injuries were caused by the collision. (See generally Resp. (Dkt. # 18).)

At the time of the collision, Ms. Schreib had an automobile insurance policy with American Family. (8/14/14 Rider Decl. (Dkt. # 20) ¶ 22, Ex. 19.) Her policy included underinsured 'motorist (“UIM”) coverage with a policy limit of‘$500,000.00. (Id. at 2.) Ms. Schreib settled her claim with the tortfeasor for $75,000.00, the full amount covered by the tortfeasor’s insurance policy. (Davis Deck (Dkt. # 14) ¶ 4.) American Family approved her settlement. (Id.) Ms. Schreib also received $56,300.00 in personal injury protection (“PIP”) benefits from her policy with American Family. (Id. ¶ 5.)

In the spring of 2011, after receiving amounts totaling $131,300.00 from the tortfeasor’s insurance company and American Family’s PIP coverage, Ms. Schreib submitted a claim to American Family for UIM benefits. (8/14/14 Rider Deck If 4, Ex. 1.) Over the next few months, Ms. Schreib and American Family corresponded several times regarding her claim for UIM benefits. (See generally id.) Eventually, in November, 2011, American Family informed Ms. Schreib that it had determined that the combination of her settlement with the tortfeasor’s insurance company and the PIP award,, totaling $131,300.00, was sufficient to fully compensate her for the injuries sustained in the collision. (Id. ¶ 10, Ex. 7.) Ms. Schreib contested the findings and' submitted a “settlement demand package” to American Family in February, 2012, formally requesting payment of the $500,000.00 UIM policy limit. (Davis Deck ¶ 15, Ex. 8.)

Following ongoing disputes over the UIM claim, in September, 2012, Ms. Schreib informed American Family that she would pursue claims under Washington’s Insurance Fair Conduct Act (“IFCA”), RCW 48.30.015. (Davis Deck ¶ 25, Ex. 15.) In December, 2012, pursuant to her policy, Ms. Schreib requested that her claim be submitted to binding arbitration. (Id. ¶26, Ex. 16.) An arbitrator heard Ms. Schreib’s claim in September, 2013. (Id. 1134.) The arbitrator issued a decision on October 17, 2013, ruling that Ms. Schreib incurred damages as a result of the automobile accident in the amount of $1,186,988.00. (Id. ¶ 35, Ex. 17.) Although documentation is not contained in the record before the court, the parties agree that American, Family subsequently tendered the $500,000.00 UIM policy limit to Ms. Schreib. (See Damages Mot. at 5; Damages Resp. at 22-24.)

Ms. Schreib then filed this action against American Family, alleging claims for breach of contract, violation of IFCA, and insurance bad faith. (See Compl. (Dkt. # 1).) In the motions currently before the court, American Family refutes what constitutes “actual damages,” with specific reference to Ms. Schreib’s computations under Federal Rules of Civil Procedure 26(a)(1)(A)(iii). (See Damages. . Mot.; 6/11/15 Rider Decl. (Dkt. #68) ¶3, Ex. 1 at 6.) American Family also seeks to bar Ms. Schreib from seeking Olympic Steamship fees. (See Olympic Steamship Mot.) Ms. Schreib opposes American Family’s motion regarding actual damages and cross-moves for partial summary judgment on that issue. (See Damages Resp.) She does not oppose American Family’s motion for partial summary judgment barring Olympic Steamship fees. (See Olympic Steamship Resp.)

III. ANALYSIS

A. Summary Judgment Standard

Summary judgment is appropriate if the evidence, when viewed in the light most favorable to the non-moving party, demonstrates “that there is no genuine dispute as to any material fact and the movant is entitled to judgment as a matter of law.” Fed.R.Civ.P. 56(a); see Celotex Corp. v. Catrett, 477 U.S. 317, 322, 106 S.Ct. 2548, 91 L.Ed.2d 265 (1986); Galen v. Cnty. of L.A., 477 F.3d 652, 658 (9th Cir.2007). The moving party bears the initial burden of showing there is no genuine issue of material fact and that he or she is entitled to prevail as a matter of law. Celotex, 477 U.S. at 323, 106 S.Ct. 2548. If the moving party meets its burden, the burden shifts to the non-moving party to .“make a showing sufficient to establish a genuine dispute of material fact regarding the existence of the essential elements of his case that he must prove at trial.” Galen, 477 F.3d at 658. The court is “required to view the facts and draw reasonable inferences in the light most favorable to the [non-moving] party.” Scott v. Harris, 550 U.S. 372, 378, 127 S.Ct. 1769, 167 L.Ed.2d 686 (2007).

Because the court grants both of American Family’s motions for partial summary judgment, the analysis herein views all facts and draws all reasonable inferences in the light most favorable to- Ms. Schreib.

B. : The Proper Measure of “Actual Damages”

American Family’s first motion for partial summary judgment seeks to limit the amount and type of damages that are deemed “actual damages” under any of Ms. Schreib’s extra-contractual theories of recovery — namely, Ms . Schreib’s IFCA claim,-her CPA claim, and her tort claim of insurer bad faith. (Damages Mot. at 1.)

IFCA provides a cause of action when an insurance policy claimant is “unreasonably denied a claim for coverage or payment of benefits by an insurer.” RCW 48.30.015(1). A prevailing party is entitled to “actual damages sustained, together with the costs of the action”; these “costs of the action”, specifically comprise “reasonable attorneys’ fees and litigation costs,” RCW 48.30.015(1), including expert witness fees, RCW 48.30.015(3). In addition, the court can award enhanced damages, although the total damages award is “not to exceed three times the actual damages.” RCW 48.30.015(2).

The CPA allows a plaintiff to recover when she can establish the following elements: ’(1) an unfair or deceptive act or practice; (2) occurring in trade or commerce; (3) public interest impact; (4) injury to the plaintiff in his or her business or property; (5) causation. Hangman Ridge Training Stables, Inc. v. Safeco Title Ins. Co., 105 Wash.2d 778, 719 P.2d 531, 533 (1986). Similar to an IFCA claim, a prevailing party under the CPA can recover “actual damages ... together with the costs of the suit, including a reasonable attorney’s fee.” RCW 19.86.090. Also as under IFCA, the court can enhance damages to an amount “not to exceed three times the actual damages sustained,” but unlike IFCA, an enhanced CPA damages award shall not exceed $25,000.00 in cases of unfair or deceptive trade practices such as this. Id.

Finally, the tort of insurer bad faith follows standard tort principles — it requires proving duty, breach, and damages proximately caused by the breach. See Smith v. Safeco Ins. Co., 150 Wash.2d 478, 78 P.3d 1274, 1277 (2003). An insurer typically owes a heightened duty to “give equal consideration to the insured’s interests and its own interests.” Liberty Int’l Underwriters v. Carlson, 2006 WL 623785, at *9 (W.D.Wash. Mar. 13, 2006) (citing Am. States Ins. Co. v. Symes of Silverdale, Inc., 150 Wash.2d 462, 78 P.3d 1266, 1270 (2003)). This enhanced duty does not exist in a UIM case, in which the insurer often stands in the shoes of the tortfeasor, can assert any defense to liability that the tortfeasor had, and thus finds itself in an adversarial relationship with its own insured. See Ellwein v. Hartford Acc. & Indem. Co., 142 Wash.2d 766; 15 P.3d 640, 647 (2001), overruled in part on other grounds, Smith v. Safeco Ins. Co., 150 Wash.2d 478, 78 P.3d 1274 (2003). However, an insurer’s duty of good faith does not simply disappear — in UIM cases, the insurer still owes the insured a .duty of good faith and fair dealing... Id. In a UIM case, an insurer must “deal in good faith and fairly as to the terms of the policy and not overreach the insured, despite its adversary interest.” Id. (quoting Hendren v. Allstate Ins. Co., 100 N.M. 506, 672 P.2d 1137, 1141 (1983)). , To demonstrate bad faith, an insured must show the denial of benefits was “unreasonable, frivolous, or unfounded,” as opposed to simply incorrect. Kirk v. Mt. Airy Ins. Co., 134 Wash.2d 558, 951 P.2d 1124, 1126 (1998) (en banc); see also Kim v. Allstate Ins. Co., 153 Wash.App. 339, 223 P.3d 1180, 1189 n. 3 (2009) (applying the “unreasonable, frivolous, or unfounded” requirement from Kirk to a claim for insurance bad faith under UIM coverage). In some instances, once the insured shows that breach of duty, Washington courts apply a rebuttable presumption of harm. Kirk, 951 P.2d at 1127. However, in first party insurance cases such as Ms.’ Schreib’s, no such presumption applies. See Coventry Assoc. v. Am. States Ins. Co., 136 Wash.2d 269, 961 P.2d 933, 940 (1998) (en banc). Ms. Schreib must therefore prove causation, and the appropriate measure of damages is “the amounts [she] has incurred as a result of the bad faith ... as well as general tort damages.” Id.

In sum; all three extra-contractual causes of action that Ms. Schreib puts forward require defining and calculating actual damages proximately caused by the breach of duty or the statutory violation; IFCA and the CPA also reference actual damages to calculate the maximum amount of enhanced damages.- Under all three claims, demonstrating a causal link between the statutory violation or breach and the. actual damages incurred is a necessary element of recovery. In her mandatory disclosures under Rule 26(a)(l)(iii), Ms. Schreib claims six types of actual damages, among them “the UIM arbitration award of $1,186,988.00 entered on October 17, 2013,” “emotional distress damages,” and “litigation costs totaling $51,316.21 incurred as a result'of American Family’s unreasonable conduct and/or compelling the plaintiff into a UIM arbitration.” (6/11/15 Rider Decl. ¶3, Ex. 1 at 6.) She does not specify which damages she seeks under which claims. (See id.)

The first of American Family’s two motions for summary judgment seeks judicial determination that the $1,186,988.00 awarded at arbitration is not “the proper measure of ‘actual damages’ ” for purposes of IFCA, the CPA, and the tort of insurance bad faith. (Damages Mot. at 5-6.) It also seeks summary judgment that emotional distress damages are not properly considered “actual damages” under IFCA. (Id. at 19.) And finally, American Family seeks summary , judgment that Ms. Schreib’s attorneys’ fees and other litigation costs are not “actual damages” for purposes of IFCA and the CPA. (Id. at 20.) The court concludes that none of the three are properly considered “actual damages” under the causes of action identified, and accordingly grants American Family’s motion for partial summary judgment as to damages.

1. The Arbitration Award

On October 17, 2013, after Ms. Schreib pursued binding arbitration pursuant to her contract with American Family, an arbitrator issued a binding ruling awarding 'Ms. Schreib $1,186,988.00. (Davis Decl. ¶ 35, Ex. 17 (hereinafter, Arb. Decision) at 5.) This compensated her for loss of income and earning capacity, past medical expenses, services provided, and future pain and suffering caused by the automobile’ accident. (Id. at 2-5.) Importantly, the decision was made “without regard, or consideration given, to amounts paid, policy limits, etc.” (Id. at 5.) To satisfy its contractual obligation pursuant to the arbitration decision, American Family tendered the $500,000.00 UIM policy limits to Ms. Schreib. (Damages Resp. at 22-24.) Nonetheless, Ms. Schreib alleges that the $1,186,988.00 arbitration decision is one of the six “actual damages” suffered, and she seeks to recover accordingly. (6/11/15 Rider Decl. ¶ 3, Ex. 1 at 6.)

a. Under the Insurance Pair Conduct Act

The parties spend the majority of their briefs disputing the meaning of actual damages. IFCA does not define “actual damages.” See generally RCW 48.30.015. In the context of other statutes, the Washington Supreme Court has defined actual damages to “encompass all the elements of compensatory awards generally.” Rasor v. Retail Credit Co., 87 Wash.2d 516, 554 P.2d 1041, 1050 (1976) (interpreting the Fair Credit Reporting Act); see also Martini v. Boeing Co., 137 Wash.2d 357, 971 P.2d 45, 50 (1999) (citing Black’s Law’Dictionary 35 (6th ed.1990)) (interpreting the Washington Law Against Discrimination). Black’s Law Dictionary currently defines actual damages as “[a]n amount awarded to a complainant to compensate for' a proven injury or loss; damages that repay actual losses.” Black’s Law Dictionary 471 (10th ed.2014) (recognizing compensatory damages, tangible damages, and real damages as synonymous with actual damages).

Notwithstanding the parties’ .dispute over the proper definition of actual damages, a flawed understanding — or outright omission — of proximate causation analysis is the dispositive issue underlying Ms. Schreib’s effort to count the arbitration award as an actual damage. Under IFCA, an insurer “is liable only for those damages proximately caused by [its] IFCA violation.” Dees v. Allstate Ins. Co., 933 F.Supp.2d 1299, 1312 (W.D.Wash.2013). As part of the damages proximately caused by the IFCA violation, an insured can recover policy benefits that were unreasonably denied, subject to the policy’s limits and other applicable terms and conditions. Id. at 1312-13 (citing Tavakoli v. Allstate Prop. & Cas. Ins. Co., No. C11-1587RAJ, 2012 WL 6677766, at *9 (W.D.Wash. Dec. 21, 2012)). Thus, IFCA damages might include — but are not limited to — “medical bills, lost wages, and pain and suffering damages” incurred as.a result of the underlying automobile accident, but only to the extent those items could have been recovered under the UIM policy and were unreasonably denied. Id. However, the arbitrator in this case made a “determination of the total damages suffered by Ms. Schreib which were proximately caused by the automobile accident of April 2, 2009,” without regard to policy limits. (Arb. Decision at 5 (emphasis added).) Thus, the arbitration award is an estimation of the damages caused by the accident itself, not those caused by American Family’s alleged unreasonable denial of IFCA benefits. (Id.)

One can imagine scenarios in which an IFCA violation causes the entirety of an insured’s injuries. In that case, an arbitrator’s determination of total damages is relevant to determining actual damages proximately caused ;by the violation. However, the arbitrator did not determine that all of Ms. Schreib’s injuries'were caused by an unreasonable denial of benefits, nor could Ms. Schreib seriously contend as much; instead, she apparently seeks to circumvent the relevant causation analysis based on IFCA’s purported legislative intent to “protect[ ] insureds and mak[e] insurers honor their commitments to act fairly towards their insureds and pay claims promptly.” (Damages Resp. at 10.) The statute’s plain language, which provides for treble actual damages, attorneys’ fees, and litigation costs, accomplishes these goals without vitiating its causation requirement. See RCW 48.30.015(l)-(2).

Because the arbitration award is ,,not a calculation of “actual damages” resulting from a violation of IFCA, but rather those resulting from the underlying motor vehicle accident, the court determines that “the arbitration award ... is not the proper measure of ‘actual damages’” in this case, and grants summary judgment to American Family on that issue. (Damages Mot. at ,5.) However, Ms. Schreib is entitled to prove at trial that American Family’s alleged IFCA violation proximately caused her actual, damages, and will not be limited by those described in the arbitration award. See Dees, 933 F.Supp.2d at 1313.

b. Under the Consumer Protection-Act

The damages calculated in the arbitration decision -are attributable to the underlying motor vehicle accident, whereas the CPA requires the injury to be “causally linked to the unfair or deceptive act.” National Union Fire Ins. Co. v. Greenwich Ins. Co., 2009 WL 1794041, at *5 (W.D.Wash. June 22, 2009) (citing Hangman Ridge, 719 P.2d at 533). This is analogous to IFCA’s proximate cause requirement. Because of the disparity in causation analysis between the arbitration decision and the CPA, the court concludes the arbitration decision is “not the proper measure of ‘actual damages’ ” for purposes of Ms. Schreib’s CPA claim. (Damages Mot. at 5.) However, Ms. Schreib is entitled to prove at trial that American Family’s CPA violation . proximately caused some amount of damages to her business or property, and will not be limited by those damages described in the award. RCW 19.86.090; see also Dees, 933 F.Supp.2d at 1310-12 (explaining the type of injuries considered to be to business or property under the CPA).

c. Under the Tort of Insurance Bad Faith

Under a bad faith claim, the insured “has the burden of establishing that the bad faith or negligence of the insurer proximately caused damage to the insured.” Zander v. N.H. Indent. Co., No. C05-5154FDB, 2006 WL 2243035, at *2 (W.D.Wash. July 26, 2006); see also Smith v. Safeco Ins. Co., 150 Wash.2d 478, 78 P.3d 1274, 1277 (2003) (en banc) (“Claims by insureds against their insurers for bad faith are analyzed applying the same principles as any other tort: duty, breach of that duty, and damages proximately caused by any breach of duty.”). Washington law distinguishes between third party Claims and first party claims to determine the burden imposed to prove liability. In third party cases, Washington courts .presume harm has occurred if an insured can prove breach; this presumption exists because it is “almost impossible” in the third party context for an insured to show damages were proximately caused by the bad faith actions of the insurer. Safeco Ins. Co. of America v. Butler, 118 Wash.2d 383, 823 P.2d 499, 504 (1992) (en banc). However, Ms. Schreib is a first party claimant, and Washington courts decline to extend this presumption in the first party context, meaning she has the burden of proving harm proximately caused by American Family’s bad faith. Coventry, 961 P.2d at 938-39. The arbitration decision does not do this — it evaluates what harm was proximately caused by the accident itself.

The court concludes that the arbitration decision is “not the proper measure of ‘actual damages’ ” for purposes of Ms. Schreib’s insurance bad faith claim. (Damages Mot. at 5.) However, Ms. Schreib is entitled to prove at trial that American Family’s bad faith- caused her actual damages, and will not be limited by those described in the arbitration award. To the extent Ms. Schreib can prove those damages, she is entitled to “the amounts [she] has incurred as a result of the bad faith [act], as well as general tort damages.” Coventry, 961 P.2d at 940.

2. Emotional Distress Damages Under the Insurance Fair Conduct Act

American Family next argues that IFCA’s actual damages provision does not include emotional distress damages, and that it is accordingly entitled to summary judgment on that issue. (Damages Mot. at 19-20.). Ms. Schreib alleges such emotional distress is one of the six “actual damages” suffered, and seeks to recover accordingly. (6/11/15 Rider Decl. ¶ 3, Ex. 1 at 6.) This appears to be an issue of first impression under IFCA.

When confronted with a question as to the availability of emotional damages pursuant to a statutory -violation, Washington courts look to the “language of the particular statute at issue.” White River Estates v. Hiltbruner, 134 Wash.2d 761, 953 P.2d 796, 798 (1998) (en banc). As a general matter, the Washington Supreme Court interprets actual damages to include emotional damages. See Rasor, 554 P.2d at 1050 (holding that actual damages include emotional damages under the Fair Credit Reporting Act); Martini, 971 P.2d at 50 (interpreting the Washington Law Against Discrimination to allow for emotional damages as part of actual damages), In :Some circumstances, however, Washington courts have looked to the context and purpose of the statute and.determined that it is inappropriate to read emotional distress damages into actual damages. See, e.g., White River, 953 P.2d at 798 (disallowing emotional distress damages for violation of the Mobile Home Landlord-Tenant Act because the statute sounds in negligence rather than intentional tort); Wash. St. Physicians Ins. Exch. & Assn. v. Fisons Corp., 122 Wash.2d 299, 858 P.2d 1054, 1064-66 (1993) (en banc) (concluding that neither the CPA nor the Product Liability Act (‘TLA”) contemplate emotional distress damages); Segura v. Cabrera, 179 Wash.App. 630, 319 P.3d 98, 101 (2014) (construing the Residential Landlord-Tenant Act to. exclude emotional damages as a remedy for displacement due to a condemned or unlawful property). In light of these differing interpretations, the court concludes that whether “actual damages” includes emotional damages is. “subject to two or more reasonable, interpretations” and thus the court thus deems it ambiguous in that context. State v. McGee, 122 Wash.2d 783, 864 P.2d 912, 914 (1993) (en banc).

When a statute is ambiguous as to an issue, Washington courts look to the legislative history to determine the legislative intent. Rest. Dev., Inc. v. Cananwill, Inc., 150 Wash.2d 674, 80 P.3d 598, 601 (2003) (en banc). To give meaning to an ambiguous statute, the legislature must provide “clear direction.” Segura, 319 P.3d at 100. The parties have presented only a fraction of IFCA’s legislative history to the court. (See Moore Decl. (Dkt. # 72-1) ¶ 5, Ex. 2 at 14-19.) Ms. Schreib cites to testimony before the Washington legislature mentioning emotional damages, all from the same private insurance attorney residing in California with no role in drafts ing IFCA. (See id.; Damages Resp..at 16 n. 12.) Having reviewed the contents of the six IFCA-hearings before the state legislature, the .court notes three such statements in the hundreds of pages of transcript, two of which Ms. Schreib cited, and all of which were made by the same expert. See Hearing on H.B. 1191 Before the H. Comm, on Insurance, Financial Services & Consumer Protection, 2007 Leg., 60th Sess. 59:18 (Wash. Feb. 1, 2007) (statement of Ken " Cooley,'Attorney for State Farm Insurance), reprinted in Isaac Ruiz, Legislative History of Washington’s Insurance Fair Conduct Act 67 (2014); Hearing on S.B. 5726 Before the S. Comm, on Insurance, Financial Services & Consumer Protection, 2007 Leg., 60th Sess. 16:22, 22:3-7 (Wash. Mar. 22, 2007) (statement of Ken Cooley, Attorney for State Farm Insurance), reprinted in Ruiz, supra, at 244, 250. The court finds no other reference to the availability - of emotional damages in the hearing transcripts or the House and Senate Reports accessible via online database.. Put simply, these- stray statements do not constitute “clear direction from our legislature” — indeed, they were not even made by a member of the legislature. See Segura, 319 P.3d at 100.

Having determined the statute’s language is silent and its legislative history provides no clear direction as to emotional damages; the court next looks to other interpretive canorife' Washington courts have prescribed. See id. In interpreting statutes that are silent as to the availability of emotional distress damages, Washington courts have used the requisite degree of culpability as a proxy for whether the legislature intended to make emotional damages available. White River, 953 P.2d at 798. “In the absence of a clear mandate from the Legislature, Washington courts have ‘liberally’ construed damages for emotional distress ... if the wrong committed is in the nature of an intentional tort.” Id. In contrast, Washington law “decline[s] to allow emotional distress damages where the statutory violation requires only proof of negligent, as opposed to intentional, conduct.” Id. (citing Wash. St. Physicians Ins. Exch. & Assn. v. Fisons Corp., 122 Wash.2d 299, 858 P.2d 1054, 1065-66 (1993) (en banc)); see also Segura, 319 P.3d at 100 (“The legislative history ... does not indicate the intended scope of these words. Absent some clear direction from our legislature, emotional distress damages are recoverable solely if [the statute] sounds in intentional tort.”). Although subsequent case law has not been quite as categorical as White River suggests, Washington courts continue to use the line between negligence and greater degrees of culpability to evaluate the availability of’ emotional distress damages. See Bylsma v. Burger King Corp., 176 Wash.2d 555, 293 P.3d 1168, 1172-73 (2013) (en banc); Segura, 319 P.3d 98, 100 (Wash.Ct.App.2014); Johnson v. Cash Store, 116 Wash.App. 833, 68 P.3d 1099, 1108 (2003).

IFCA proscribes “unreasonable” denials of coverage or benefits. See generally RCW 48.30.015. ‘When a person acts ‘unreasonably’ in light of the circumstances such action is similar to negligence, not an intentional tort.” White River, 953 P.2d at 799. Because IFCA’s language is ambiguous as to emotional damages and-it sounds in negligence, the court concludes it excludes the availability of emotional damages as “actual damages.” Accordingly, summary judgment is appropriate with respect to that aspect of Ms. Schreib’s IFCA claim.

3. Attorney’s Fees and Other Litigation Costs Under the Insurance Fair Conduct Act and the Consumer Protection Act

American Family next argues that IFCA and the CPA’s actual damages provision do not include “attorneys’ fees and other litigation costs,” and contends that it is therefore entitled to summary judgment on that issue. Ms. Schreib alleges this is one of the six “actual damages” suffered and seeks to recover accordingly. (6/11/15 Rider Deck ¶ 3, Ex. 1 at 6.) However, she does not seriously contest American Family’s argument in her response to its motion for partial summary judgment. (See generally Damages Resp.) Nonetheless, the court must consider the merits of the surm mary judgment motion, and the burden remains' on the moving party to satisfy Rule 56. See Martinez v. Stanford, 323 F.3d 1178, 1182-83 (9th Cir.2003).

A plain reading of IFCA makes clear that it distinguishes between “actual damages” and “reasonable attorneys’ fees and litigation costs.” RCW 48.30.015(1). It includes the latter among the “costs of the action,” whéreas the former is articulated separately. Id. The CPA similarly makes a similar distinction, allowing recovery for “actual damages sustained together with the costs of the suit, including a reasonable attorney’s fee.” RCW 19.86.090. The clear implication is that actual damages -are separate and distinct, which precludes attorneys’ fees and other litigation costs from factoring into the maximum enhanced damages made available to plaintiffs. Washington courts .have -already made this determination when considering the CPA. See, e.g., Sign-O-Lite Signs, Inc. v. DeLaurenti Florists, Inc., 64 Wash.App. 553, 825 P.2d 714, 721 (1992).

Because the term “actual damages,” as used in IFCA ,and the CPA, does not include attorneys’ fees or other litigation costs, summary judgment is appropriate with respect to that aspect of Ms. Schreib’s IFCA claim.

C. Olympic Steamship Fees

In its second motion for partial summary judgment American Family argues that no reasonable juror could conclude Ms. Schreib is entitled to Olympic Steamship fees. See Olympic S.S. Co. v. Centennial Ins. Co., 117 Wash.2d 37, 811 P.2d 673 (1991) (en banc). As Washington courts have unequivocally recognized for decades, Olympic Steamship fees are awarded “only when an insurer wrongfully denies ‘coverage’ as distinguished from the situation where ‘coverage’ is conceded but the claim fails or. recovery is diminished on its factual merits.” Greengo v. Pub. Emps. Mut. Ins. Co., 135 Wash.2d 799, 959 P.2d 657, 665 (1998) (en banc), Ms. Schreib agrees that American Family did not “deny” her coverage in the relevant sense, and thus there is no dispute that Olympic Steamship fees are unavailable. (See Olympic Steamship Resp. at 3.) Accordingly, summary judgment is appropriate with respect to Olympic Steamship fees.

IY. CONCLUSION

For the foregoing reasons, the court GRANTS both of American Family’s motions for partial summary judgment. (Dkt. ##67, 75) and DENIES Ms. Schreib’s cross-motion (Dkt. #72). The arbitration award is not an appropriate measure of “actual damages” for violating IFCA or the CPA or for committing the tort of bad faith. Emotional distress damages are not “actual damages” under IFCA. Attorneys’ fees and other litigation costs are not “actual damages” under IFCA or the CPA. Olympic Steamship fees are unavailable to Ms. Schreib. 
      
      . The court issues this amended order solely to correct á reference to RCW 48.30.015, which appears on page 1137, footnote 6 of its August 31, 2015 order granting partial summary judgment (Dkt. # 82),
     
      
      . Because the relief requested by American Family is somewhat opaque, the court clarifies and limits this holding as articulated in the conclusion to this order.
     
      
      . In pleadings subsequent to her complaint, Ms. Schreib makes reference to a fourth cause of action: violation of Washington’s Consumer Protection Act ("CPA”), RCW 19.86.010 et seq. (See, e.g., Damages Resp. at 8, 17; Olympic Steamship Resp. (Dkt. # 80) at 3-4.) Althodgh the operative complaint does not cite to the CPA, it is clear that American Family has received "fair notice” of the claim. See Alvarez v. Hill, 518 F.3d 1152, 1157 (9th Cir.2008) (citing Bell Atl. Corp. v. Twombly, 550 U.S. 544, 562-63, 127 S.Ct. 1955, 167 L.Ed.2d 929 (2007)); Self Directed Placement Corp. v. Control Data Corp., 908 F.2d 462, 466 (9th Cir.1990). Moreover, the requirement of a "short and plain statement of the claim showing that the pleader is entitled to relief” is satisfied due to the factual overlap between Ms. Schreib’s IFCA claim and her CPA claim, Fed.R.Civ.P, 8(a)(2). Indeed, American Family expressly acknowledges the CPA claim. (See, e.g., Damages Mot. at 1, 7-8, 12; Damages Reply (Dkt. # 73) at 1-4.) Thus, to thé éxtent the instant motions for partial summary judgment address Ms. Schreib’s implicit CPA claim, the déems it proper at this stage,
     
      
      . Ms. Schreib cross-moved for pardal summary judgment on the same issues as those discussed herein. (Damages Resp.) In light of the court's, analysis and conclusions, and because Schreib's cross-motion directly opposes American Family’s, the court concludes that summary judgment is not appropriate with respect to her motion.
     
      
      . Dees has been interpreted to find pain and suffering damages available under IFCA, see Segura, 319 P.3d at 107 (Fearing, J., dissenting), but its holding is not so broad. The case holds only that pain and suffering are available under IFCA when they are a part of the insured's unreasonably denied underlying UIM claim. Dees, 933 F.Supp.2d at 1312—13.
     
      
      . The court declines Ms. Schreib’s request to certify the proper interpretation of IFCA’s actual damages provision to the Supreme Court of Washington. See RCW 2.60.020.
     
      
      . The court concludes that the arbitrator’s decision does not represent "actual damages,” but that does not preclude Ms. Schreib from arguing that American Family's initial denial of distributing the $500,000.00 UIM cap — or some portion thereof — was an "actual damage.” (See Damages Resp. at 22-23.) Although the $’500,000.00 maximum UIM payment was subsequently paid to Ms. Schreib and is thus unavailable as recompense under RCW 48.30.015(1), she can nonetheless argue that it should be considered an “actual damage” in determining, for instance, the maximum amount of enhanced damages available under RCW 48.30,015(2). See Tavakoli, 2012 WL 6677766, at *9 ("The actual damages sustained from an 'unreasonable] deni[al]' of benefits necessarily include (but are not necessarily limited to) the benefits that were unreasonably denied. Thus, unlike a plaintiff with a bad faith claim, an IFCA claimant can recover policy benefits, subject only to the policy’s limit.”); see also Morella v. Safeco Ins. Co. of Ill., No. C12-0672RSL, 2013 WL 1562032, at *5 (W.D.Wash. Apr. 12, 2013) (identifying this conundrum and certifying a similar question to the Washington Supreme Court; the case was settled prior to determination). Because the parties have not presented this issue, the court declines to decide it.
     
      
      . To be clear, Ms. Schreib is not entitled to duplicative damages. For example, if the jury finds that American Family violated IFCA, violated the CPA, and breached its duty of good faith, the jury verdict form will be structured to identify and avoid a duplicative award of damages.
     
      
      . The parties do not dispute that emotional distress damages are unavailable under the CPA. See Wash. St. Physicians Ins. Exch. & Assn. v. Fisons Corp., 122 Wash.2d 299, 858 P.2d 1054, 1064 (1993) (en banc); (Damages Resp. at 8.) It is well settled that emotional distress damages are available under the tort of bad faith. See Anderson v. State Farm Mut. Ins. Co., 101 Wash.App. 323, 2 P.3d 1029, 1035 (2000) (citing Coventry Assoc. v. Am. States Ins. Co., 136 Wash.2d 269, 961 P.2d 933, 939-40 (1998) (en banc)). The only dispute regarding emotional damages is whether they qualify as “actual damages" under IFCA,
     
      
      .The court has discretion to certify this novel question of state law to the Washington Supreme Court, See RCW 2.60.020. However, given the court’s familiarity with cases arising upder IFCA and the proximity of trial in this case, the' court declines to exercise this discretion. IFCA is sufficiently clear, based on the analysis herein, to interpret if without certification.
     
      
      . Although Ms. Schreib rightly contends that remedial statutes are to be construed liberally to effectuate their purpose, Int’l. Ass’n of Fire Fighters, Local 46 v. City of Everett, 146 Wash.2d 29, 42 P.3d 1265, 1267 (2002) (en banc), IFCA's treble enhanced damages provision makes it at a minimum unclear whether it is indeed remedial in nature, see, F.C. Bloxom Co. v. Fireman's Fund Ins. Co., No. C101603RAJ, 2012 WL 5992286, at *7 (W.D.Wash. Nov. 30, 2012). At least one court has concluded that it "does not have a remedial purpose." Malbco Holdings, LLC v. AMCO Ins. Co., 546 F.Supp.2d 1130, 1133 (E,D.Wash.2008). Even if it were deemed remedial, the court concludes that actual damages (not including emotional damages), attorney’s fees, and treble damages sufficiently advance those remedial goals.
     
      
      . Ms. Schreib’s argument that the enacting parties must have intended IFCA to be at least as broad as the existing tort of insurer bad faith is misguided, as IFCA’s discretionary treble damages is already significantly, “more than the existing common law remedies.” (Damages Resp. at 13 (emphasis in original)); see also Kirk, 951 P.2d at 1127-28; Dailey v. North Coast Life Ins. Co., 129 Wash.2d 572, 919 P.2d 589, 590-91 (1996) (en banc) (citing the Washington Supreme Court’s "long-standing rule prohibiting punitive damages without express legislative authorization”).
     
      
      . American Family moves to strike various portions of the Moore Declaration (Dkt. # -72-1), Davis Declaration (Dkt. # 72-3), and Schreib Declaration (Dkt. # 72-5) as hearsay, inadmissible opinion testimony, lacking foundation, and otherwise improper. (Dkt. # 73.) American Family also moves to strike Ms. Schreib’s cross-motion for partial summary judgment. (Id.) Because thé court makes its determination without considering those portions of the declarations, and because the court denies Ms. Schreib’s cross-motion for summary judgment, American Family's motions to strike-are denied as moot.
     
      
      . The parties are advised that the court will not tolerate such unnecessary motions practice. American Family points to nowhere on the record where Ms. Schreib raised the issue of Olympic Steamship fees, nor would any claim for such fees rise above frivolity, but American Family nonetheless saw fit to file a 14-page motion for partial summary judgment on the issue. (See Olympic Steamship Mot.) In the future, the parties are directed to confer and use stipulated motions to handle such undisputed matters.
      Furthermore, counsel for defendant has on several occasions flaunted the local rules. In this instance, the most grievous violation is of Local Rule 7(e)(3), which requires leave of the court to "file contemporaneous dispositive motions, each [of which is] directed toward a discrete issue or claim.” Local Rules W.D. Wash. LCR 7(e)(3). Accordingly, the court will issue an order to show cause as to why defense counsel should not face sanctions for these repeated violations. If American Family’s offending motion for partial summary judgment were on an opposed issue, the court would be inclined to strike the, motion for failure to comply with the local rules.. Because of the proximity of trial in this case, and the lack of dispute as to American Family’s motion for partial summary judgment on Olympic Steamship fees, tire court opts to decide-both motions herein.
     
      
      . This determination has no bearing on the availability of statutory attorneys’ fees under IFCA or the CPA. (See Olympic Steamship Resp. at 3-4.)
     