ORDER
JAMES L. ROBART, District Judge.
I. INTRODUCTION
This is a putative class action based on Plaintiff Elaine Fosmire’s allegations that Defendants Progressive Max Insurance Company (“Progressive Max”), Progressive Casualty Insurance Company (“Progressive Casualty”), Progressive Direct Insurance Company (“Progressive Direct”), and Progressive Corporation (collectively, “Progressive”) sold automobile insurance policies in Washington State and throughout the United States that contained coverage for underin-sured and uninsured (“UIM”) property damages. (See Am. Compl. (Dkt. # 105) ¶ 1.2.) Ms. Fosmire alleges that Progressive’s standard form UIM policies uniformly “obligated Progressive to pay to the policyholder ‘damages which an insured is legally entitled to recover’ from the owner or operator of an uninsured/underinsured motor vehicle.” (Id.; see also id. ¶ 9.3; Class Cert. Mot. (Dkt. # 64) at 1.) Ms. Fosmire contends that Washington and the other states in which Progressive issues UIM insurance policies require Progressive to pay its insured not only for the cost to repair their damaged vehicle, but also for the diminution in value that is associated with the repairs. Ms. Fos-mire alleges that diminished value losses result from the irreparable residual damage that remains even though a vehicle has been properly repaired. (See Am. Compl. ¶ 1.3.) Ms. Fosmire further claims that Progressive has breached its contractual obligations to pay diminished value losses to her, as well as to the other putative class members.
There are two motions before the court: (1) Ms. Fosmire’s motion for class certification (Dkt. ##64 (sealed) & 91 (redacted)), and (2) Progressive’s motion to exclude the expert report of Dr. Nayak L. Polissar in support of the class certification (Dkt. # 87). Having reviewed the relevant law and the papers submitted in support and opposition to the motions, and having heard the oral argument of counsel on October 7, 2011, the court GRANTS Progressive’s motion to exclude the expert report, and DENIES Ms. Fosmire’s motion for class certification.
II. FACTUAL AND PROCEDURAL BACKGROUND
On June 5, 2007, Ms. Fosmire’s 2007 Mazda was damaged in a collision with an uninsured motorist in King County, Washington. (Am. Compl. ¶ 6.1.) Ms. Fosmire was insured by Progressive Max, and her insurance policy included UIM coverage for physical damages. (Id. ¶6.2.) Progressive paid for repairs to Ms. Fosmire’s vehicle. (Id.) After the repairs were complete, Ms. Fosmire had her vehicle inspected for diminished value loss and made a demand for this loss. (See id. ¶ 6.4.) She was advised, however, that her policy did not cover diminished value loss. (Id. ¶ 6.5.)
In response, Ms. Fosmire brought suit against Progressive in the form of a putative class action for breach of contract, as well as for declaratory and injunctive relief. (Id. ¶¶ 8.1-9.26.) She asserts that Progressive did not fully inspect her vehicle for diminished value loss, did not fully compensated her for diminished value loss, and did not inform her about diminished value loss and her right to recover it. (Id. ¶ 6.6.)
Although Progressive acknowledges the potential for diminished value loss (see Hansen Deck (Dkt. #65) Ex. 2 (“Progressive Claims Standards”) at 56), Ms. Fosmire asserts that Progressive nevertheless avoids paying this loss under its UIM coverage by design (see Class Cert. Mot. at 1). Ms. Fos-mire alleges that when a Progressive insured [628]*628reports a UIM claim for property loss, Progressive does not disclose to the insured that they may make a claim for diminished value, but rather unfairly burdens the insured to learn about, pursue, and prove a claim for diminished loss independently. (See Am. Compl. ¶¶ 8.6, 8.8.) Progressive does not consider a claim for diminished value until such time as a customer specifically states that he or she would like to make a claim for diminished value and presents some type of proof. (See, e.g., Hansen Deel. Ex. 3 (“Hicks Dep.”) at 61-62 (Progressive does not consider a diminished value claim until the insured says “Hey, I would like to present a [diminished value] claim” and then presents some type of proof); Id. Ex. 16 (“Norris Dep”) at 99-101; Progressive Claims Standards at 57 (“It is the claimant’s duty to establish that damage for diminution of value was sustained.”).) Ms. Fosmire refers to this as Progressive’s “don’t ask, don’t tell” policy concerning diminished value. (See Class Cert. Mot. at 2-3, 6-10.)
On August 31, 2010, the court dismissed Ms. Fosmire’s claims with respect to Progressive Casualty, Progressive Direct, and Progressive Corporation without prejudice, but also granted Ms. Fosmire leave to move to amend her complaint as appropriate (Dkt. #40 at 5-6, 10), and to conduct discovery into the relationship between Progressive Max and the dismissed Progressive entities (see Min. Ord (Dkt. # 48)). Class discovery also proceeded between Progressive Max and Ms. Fosmire with regard to the seven states1 in which Progressive Max issues policies. (See Resp. to Mot. to Am. (Dkt. # 67) at 2.) On March 3, 2011, Ms. Fos-mire filed a motion to amend her complaint to include additional allegations concerning the inter-relatedness of the four original defendants, and to add again the three defendants that the court had previously dismissed based on the inadequate pleading in Ms. Fosmire’s original complaint. (Dkt. #59.) On September 26, 2011, the court granted Ms. Fosmire’s motion for leave to amend her complaint to re-add the previously dismissed defendants. (Dkt. # 104.) These three defendants issue UIM policies in an additional 17 states. (See Resp. to Mot. to Am. at 2.)
On March 8, 2011, Ms. Fosmire also filed her present motion to certify her class action. (Dkt. #64.) On April 5, 2011, Progressive filed its present motion to exclude Ms. Fos-mire’s expert’s report. (Dkt. # 87.)
III. ANALYSIS
A. Motion to Exclude the Expert Report of Dr. Polissar2
The proper scope of the court’s inquiry into an expert’s testimony at the class certification stage is presently unclear. Citing American Honda Motor Company, Inc. v. Allen, 600 F.3d 813, 815-16 (7th Cir.2010),3 Progressive urges the court to conduct a full Daubert analysis4 of Dr. Polissar’s expert report. (See Mot. to Exclude (Dkt. # 87) at 2-3.) The Ninth Circuit, however, has not yet resolved whether a full analysis under Federal Rule of Evidence 702 and Daubert is required at the class certification stage. See [629]*629Dukes v. Wal-Mart Stores, Inc., 603 F.3d 571, 603 n. 22 (9th Cir.2010) (“We are not convinced ... that Daubert has exactly the same application at the class certification stage as it does to expert testimony relevant at trial. However, ... we need not resolve this issue here.”) (citation omitted), rev’d on other grounds, — U.S.-, 131 S.Ct. 2541, 180 L.Ed.2d 374 (2011).
Nevertheless, the Supreme Court recently suggested that a full Daubert analysis may be required even at class certification. See Wal-Mart Stores, Inc. v. Dukes, — U.S. -, 131 S.Ct. 2541, 2553-54, 180 L.Ed.2d 374 (2011) (“The District Court concluded the Daubert did not apply to expert testimony at the [class] certification stage____We doubt that it so____”).5 Despite the Supreme Court’s dictum in Dukes, at least one circuit court has rejected the notion that a trial court is required to conduct “an exhaustive and conclusive Daubert inquiry” at the class certification stage, opting instead for “a focused Daubert analysis which scrutinize[s] the reliability of the expert testimony in light of the criteria for class certification and the current state of the evidence.” In re Zurn Pex Plumbing Prods. Liab. Litig., 644 F.3d 604, 613, 614 (8th Cir.2011). This court believes that Zum has struck the right balance. It honors the Supreme Court’s dictum in Dukes by applying Daubert at class certification, but it does so in a manner that recognizes the specific criteria under consideration, as well as the differing stage of discovery and state of the evidence, at the class certification stage. Further, Zum is consistent with previous rulings by this court. See Hovenkotter v. Safeco Ins. Co., No. C09-0218JLR, 2010 WL 3984828, at *4 (W.D.Wash. Oct. 11, 2010) (“[T]he court’s consideration of the [experts’] opinions requires it to determine whether their opinions tend to show commonality of claims and damages among the class members; the court need not conduct a full Daubert analysis as to the admissibility for trial of the expert’s opinions.”) (citing Dukes, 603 F.3d at 603 (“At the class certification stage, it is enough that [the expert] presented scientifically reliable evidence tending to show that a common question of fact ... exists with respect to all members of the class.”)).
Regardless, the court need not decide whether a full Daubert analysis or something less is required here because even under the more relaxed approach, Dr. Polissar’s expert report does not pass scrutiny. Ms. Fos-mire’s position is that although individual damages will vary, the amount of individual damages and aggregate class-wide damages can be calculated using a methodology to be developed by Dr. Polissar and information contained in Progressive’s records. According to Ms. Fosmire, Dr. Polissar will use the data collecting protocol established by another expert in the field, Dr. Bernard Siskin (who will not testify at trial), to isolate the effect of diminution value from the total value of the vehicle. Dr. Siskin, a former expert employed by Plaintiffs counsel for purposes of a different litigation, collected his underlying data approximately 10 years ago by sending inspectors to various ear auctions throughout the United States. (See Mot. to Exclude at 5 (citing Polissar Report ¶¶ 17-21 (Ex. F to Class Cert. Mot.)).) At these various auctions, the inspectors collected information on both damaged and undamaged vehicles, which Dr. Siskin used to create his database. (Id.)
Dr. Polissar’s expert report is deficient in several ways. First, although his opinions are based on Dr. Siskin’s data and methodology, there is nothing in the record to indicate that Dr. Polissar has tested Dr. Siskin’s underlying data to ensure its reliability or that Dr. Polissar even has access to Dr. Siskin’s underlying data. (See Donohue Deck (Dkt. # 88) Ex. A (“Polissar Dep.”) at 161:12-20; Polissar Deck (Dkt. #96) ¶39 (“Defendant notes that the [Siskin] data collection forms have been destroyed and cannot be compared to the current data. That is true.”).)6 In fact, although Ms. Fosmire as[630]*630serts that Dr. Polissar intends to carry out his own analysis of the data (see Resp. to Mot. to Exclude (Dkt. #94) at 9; Polissar Decl. at ¶ 6), there is no evidence that he has done so to date.7 In response to these criticisms, Dr. Polissar asserts that Dr. Siskin’s dataset has been accepted in other cases. (Polissar Decl. at ¶¶ 2, 27.) This fact, however, is of no import here where Dr. Siskin apparently will not be available to testify at trial or available for cross-examination.
Federal Rules of Evidence 702 and 703 permit an expert to rely upon “facts or data” that is “of a type reasonably relied upon by experts in the field.” See Fed. R.Evid. 702 & 703. The rules do not permit an expert to rely upon opinions developed by another expert for purposes of litigation without independent verification of the underlying expert’s work. See In re Imperial Credit Indus., Inc. Secs. Litig., 252 F.Supp.2d 1005, 1012 (C.D.Cal.2003) (holding that it was improper for an accountant to testify to the information found in an expert report authored by a purported residual valuation expert regarding another litigation). Under such circumstances, courts have held the expert’s testimony to be inadmissible. Id. at 1013 (citing cases); see also Alphamed Pharm. Corp. v. Arriva Pharm., Inc., 432 F.Supp.2d 1319, 1356-57 (S.D.Fla.2006) (holding that expert’s reliance on another expert’s analysis developed for use in another litigation, in the admitted absence of his own verification of that analysis, was inadmissible).
Further, although Progressive produced electronic information to Ms. Fosmire on October 11, 2010, regarding UIM claims that Progressive Max paid to its insureds during the class period, Dr. Polissar does not base his opinions on this data or incorporate it into his expert opinion. Indeed, he has never seen Progressive Max’s data. (Polissar Dep. at 27:17-21; Polissar Deck ¶ 10.) Remarkably, he has never even seen a description of the class. (Polissar Dep. at 192:12-193:22.) Instead, his opinion is based solely upon Dr. Siskin’s data. (See id. at 31:5-10; 143:23-144:2.) However, the Siskin data is approximately ten years old. (Polissar Decl. ¶ 10.) Thus, the court concludes that the Siskin data is not representative of the vehicles in the class Ms. Fosmire seeks to certify. Dr. Polissar’s own testimony is definitive on this point:
Q: So if I can clarify your answer, your answer is that you agree that ... the auction survey data is not representative of the class sought to be certified, but you don’t believe that that’s going to be a problem for you down the road?
A: Well, wait, I have not seen a description of the class that will be applied [sic] to yet, so certainly in terms [sic] age I don’t think it’s going to be representative of them. I mean age — excuse me, the year of determination, the year of activity of the car won’t be representative.
******
But as far as a, you know, mixture of makes and models and age at the time of wreck and mileages and so forth, I have not seen a description of the class that we will be applying this to, so I don’t — I can’t comment on that yet.
(Polissar Dep. at 193:3-19.)8
Finally, Dr. Polissar has conceded that he has not yet developed a specific model based on the Siskin data. (Polissar Dep. at 28:8-16; 31:15-19.) In his declaration, Dr. Polis-sar states that he “will use various diagnostic methods to determine if the [linear regression] model is appropriate for the data being [631]*631considered.” (Polissar Decl. ¶ 5 (italics added).) He also states that “a second method of model-building mil be explored, if needed: classification and regression tree (CART).” (Id. ¶ 8.) He states further that “through the progression of the case, ... the diminished value modeling may change as needed----, [but] such analysis is certainly possible given the dataset available.” (Id. ¶ 9 (italics added).)
Citing Negrete v. Allianz Life Insurance Company, 238 F.R.D. 482, 495 (C.D.Cal. 2006), Ms. Fosmire asserts that, at the class certification stage, she need not actually supply a precise damages formula, but rather need only show that her proposed method for calculating class damages is “plausible.” (Resp. at 6; see also id. at 3 (asserting that she merely needs to “offer a propose method for determining damages that is not so insubstantial as to amount to no method at all”) (quoting In re Online DVD Rental Antitrust Litig., 2010 WL 5396064 (N.D.Cal. Dec. 23, 2010) (internal quotations omitted)).)9
In Negrete, the plaintiffs’ expert not only identified two methods to calculate damages, but had also “analyzed the vast majority of annuities at issue in th[e] case.” 238 F.R.D. at 494. Here, by way of contrast, Dr. Polis-sar has examined none of Progressive’s data, and has not even received a description of the proposed class. See Somers v. Apple, Inc., 258 F.R.D. 354, 360-61 (N.D.Cal.2009) (where expert conceded that he had not yet developed a model or worked with any data in the context of the specific case, the court concluded that the plaintiff had failed to meet her burden of establishing “a reliable method for proving common impact”). If Progressive had not yet made its data available to Ms. Fosmire, the court’s view may have been more lenient. Ms. Fosmire, however, has had the relevant data from Progressive available to her since October 11, 201010 and yet Dr. Polissar has not even examined a representative sample, let alone attempted to test either one of his proposed models. Under the foregoing specific facts, the court finds that Ms. Fosmire has failed to demonstrate that Dr. Polissar’s report meets the scientific reliability standard necessary at this stage in the proceedings. The court, therefore, GRANTS Progressive’s motion to exclude Dr. Polissar’s expert report.
B. Motion for Class Certification under Rule 23(b)(2) and/or 23(b)(3)
Ms. Fosmire moves to certify a nationwide class action under Federal Rules of Civil Procedure 23(b)(2) and 23(b)(3) with regard to her breach of contract claim. Progressive Max issues UIM policies in seven different states. The other three defendants, which the court recently allowed Ms. Fos-mire to add back into her amended class action complaint, issue such policies in an additional 17 states. Ms. Fosmire proposes two separate classes to prosecute her breach of contract claim: (1) a Rule 23(b)(3) class seeking monetary relief, and (2) a Rule 23(b)(2) seeking only injunctive relief.
1. Standards for Class Action Certification
A district court may certify a class only if all of the requirements of Federal Rule of Civil Procedure 23(a) are met, including: “(1) the class is so numerous that joinder of all members is impracticable; (2) there are questions of law or fact common to the class; (3) the claims or defenses of the representative parties are typical of the claims or defenses of the class; and (4) the representative parties will fairly and adequately protect the interests of the class.” Fed.R.Civ.P. [632]*63223(a); see also Rodriguez v. Hayes, 591 F.3d 1105, 1122 (9th Cir.2010). These Rule 23(a) prerequisites are often referred to in shorthand as numerosity, commonality, adequacy, and typicality. Certification is proper “only if ‘the trial court is satisfied, after a rigorous analysis, that the prerequisites of Rule 23(a) have been satisfied.’ ” Dukes, 131 S.Ct. at 2551 (quoting Gen. Tel. Co. of Sw. v. Falcon, 457 U.S. 147, 161, 102 S.Ct. 2364, 72 L.Ed.2d 740 (1982)).
In addition to meeting the Rule 23(a) prerequisites, the party seeking class certification must also fall into one of three categories under Rule 23(b). Zinser v. Accufix Research Inst., Inc., 253 F.3d 1180, 1186 (9th Cir.2001), amended by 273 F.3d 1266 (9th Cir.2001). Here, Ms. Fosmire seeks class certification of her claim for damages under Rule 23(b)(3) on the basis that “questions of law or fact common to class members predominate over any questions affecting only individual members, and that a class action is superior to other available methods for fairly and efficiently adjudicating the controversy.” Fed.R.Civ.P. 23(b)(3). Ms. Fosmire also seeks class certification of her claim for injunctive relief under Rule 23(b)(2), which applies when “the party opposing the class has acted or refused to act on grounds that apply generally to the class, so that final injunctive relief or corresponding declaratory relief is appropriate respecting the class as a whole.” Fed.R.Civ.P. 23(b)(2).
“Rule 23 does not set forth a mere pleading standard.” Dukes, 131 S.Ct. at 2551. “A party seeking class certification must affirmatively demonstrate his compliance with [Rule 23] — that is, he must be prepared to prove that there are in fact sufficiently numerous parties, common questions of law or fact, etc.” Id. “[S]ometimes it may be necessary for the court to probe behind the pleadings before coming to rest on the certification question.” Id. (quoting Falcon, 457 U.S. at 160, 102 S.Ct. 2364). “The class determination generally involves considerations that are enmeshed in the factual and legal issues comprising the plaintiffs cause of action.” Id. (quoting Falcon, 457 U.S. at 160, 102 S.Ct. 2364). If a court is not fully satisfied that the requirements of Rules 23(a) and (b) have been met, certification should be refused. Falcon, 457 U.S. at 161, 102 S.Ct. 2364.
2. Rule 23(a) Prerequisites
To satisfy Rule 23(a)’s numerosity prerequisite, Ms. Fosmire asserts that there are potentially thousands of class members. Progressive does not dispute Ms. Fosmire’s assertion that the numerosity prerequisite is satisfied. Although Progressive vigorously disputes that common questions predominate over individual questions under Rule 23(b)(3), Progressive does not mount any serious opposition to Ms. Fosmire’s assertion that Rule 23(a)’s commonality prerequisite is met as well. Progressive does, however, dispute that Ms. Fosmire satisfies either the typicality or the adequacy prerequisite.
a. Typicality
To demonstrate typicality, Ms. Fosmire must show that her claims are typical of the class. Fed.R.Civ.P. 23(a)(3). “The test of typicality ‘is whether other members have the same or similar injury, whether the action is based on conduct which is not unique to the named plaintiffs, and whether other class members have been injured by the same course of conduct.’” Ellis v. Costco Wholesale Corp., 657 F.3d 970, 984 (9th Cir. 2011) (quoting Hanon v. Dataproducts Corp., 976 F.2d 497, 508 (9th Cir.1992) (citation omitted)). “Typicality refers to the nature of the claim or defense of the class representative, and not to the specific facts from which it arose or the relief sought.” Id. (internal citation and quotation marks omitted). “[A] named plaintiffs motion for class certification should not be granted if ‘there is a danger that absent class members will suffer if their representative is preoccupied with defenses unique to it.’” Hanon, 976 F.2d at 508 (quoting Gary Plastic Packaging Corp. v. Merrill Lynch, Pierce, Fenner & Smith, Inc., 903 F.2d 176, 180 (2d Cir.1990)).
Progressive asserts that Ms. Fosmire’s claim lacks typicality with the putative class for two reasons. First, Progressive asserts that her automobile has suffered from damage from other accidents during time periods when Progressive was not her [633]*633insurer, both prior to and after the accident at issue, rendering “it virtually impossible to determine whether any diminished value loss should be attributable to the 2007 accident.” (Resp. to Class Cert. Mot. (Dkt. # 89) at 20.) Second, Progressive asserts that when she purchased her policy, she made a material misrepresentation regarding who would drive her ear, and that it was not until after her accident in 2007 (during which her fiancé was at the wheel) that Ms. Fosmire acknowledged that her fiancé was a regular driver in her household who should be added to the policy. (Id. at 21-22 (citing Glade Decl. (Dkt. # 90) Ex. D (“Fosmire Dep.”) at 53:9-55:13 & 56:14-17, & Exs. I, J, & K).)
In response, Ms. Fosmire asserts that, at the time of her vehicle inspection, Progressive recorded any repaired or unrepaired damage from prior accidents so that such losses could be segregated from diminished value with respect to the 2007 accident. (Reply to Class Cert. Mot. (Dkt. # 98) at 2.) She also argues that subsequent damage to her vehicle is irrelevant as damages are calculated at the time that Progressive inspects a vehicle. (Id.) The court finds it likely that many automobiles among the thousands within the proposed class may have sustained damage prior to the accident that qualifies them as part of the purported class. While the issue of other accidents related to subject vehicles in the proposed class may impact the issue of predominance under Rule 23(b)(3), it does not render Ms. Fosmire’s claim atypical of the proposed class under Rule 23(a).
The court is, however, more concerned about the second issue, namely: whether Ms. Fosmire made a material misrepresentation upon her insurance application by failing to identify her fiancé as an additional driver of her automobile. While Ms. Fosmire asserts that she did not make a material misrepresentation because her fiancé did not meet the definition of an additional driver (Reply to Class Cert. Mot. at 2 n. 4), the court is concerned that litigation concerning this defense will preoccupy Ms. Fosmire to the detriment of class claims irrespective of whether she ultimately prevails.11 In addition, it threatens to undermine her credibility at trial, which also undermines the element of typicality. See, e.g., Drake v. Morgan Stanley & Co., No. CV 09-6467 ODW (RCx), 2010 WL 2175819, at *5 (C.D.Cal. Apr. 30, 2010) (questions concerning the named plaintiffs “lack of credibility,” in part, renders her claim atypical). The court finds that the existence of this potential defense to coverage under Ms. Fosmire’s policy, as well as associated questions concerning her credibility, threaten to become a preoccupation of the trial in this matter. Accordingly, the court concludes that Ms. Fosmire has failed to establish the typicality requirement of Rule 23(a).
b. Adequacy
Rule 23(a)(4) provides that class representatives must “fairly and adequately protect the interests of the class.” Fed.R.Civ.P. 23(a)(4). The adequacy inquiry under Rule 23(a)(4) “serves to uncover conflicts of interest between named parties and the class they seek to represent.” Amchem Prods., Inc. v. Windsor, 521 U.S. 591, 625, 117 S.Ct. 2231, 138 L.Ed.2d 689 (1997).
“In Washington, stigma damages are not considered diminished value.” Degenhart v. AIU Holdings, Inc., No. C105172RBL, 2010 WL 4852200, at *5 (W.D.Wash. Nov. 26, 2010).
Rather, diminished value loss arises when a vehicle sustains physical damage in an accident, but due to the nature pf the damage, it cannot be fully restored to its pre-loss condition. The remaining physical damage, such as weakened metal which cannot be repaired results in diminished value.
[634]*634Id. (citing Moeller v. Farmers Ins. Co., 155 Wash.App. 133, 229 P.3d 857, 861-62 (2010)). Accordingly, Ms. Fosmire has defined the class to exclude any claims for stigma damages. (See Reply to Class Cert. Mot. at 2-3.) While this decision may maximize Ms. Fos-mire’s ability to assert commonality between her claim and other class members’ claims under Rule 23(a)(2), as well as the predominance of common questions over individual questions under Rule 23(b)(3), it creates other issues with regard to the adequacy of Ms. Fosmire’s representation of the putative class.
As a result of Ms. Fosmire’s claim splitting, class members from other states who have both diminished value claims arising from residual property damage, as well as stigma damages, cannot bring their stigma damages claims in this lawsuit. Progressive asserts that these class members risk being prevented by the doctrines of claim or issue preclusion from ever pursuing stigma damages in another lawsuit. (Resp. to Class Cert, at 22.) The court agrees, and concludes that Ms. Fosmire’s attempt to split her putative class members’ claim by excluding stigma damages creates a conflict between her interests and the interests of the putative class, rendering her an inadequate class representative. See, e.g., Sanchez v. Wal Mart Stores, Inc., No. 2:06-CV-02573-JAMKJM, 2009 WL 1514435, at *3 (E.D.Cal. May 28, 2009) (finding that plaintiffs “strategic claim-splitting decision creates a conflict between Plaintiffs interests and those of the putative class, and renders Plaintiff an inadequate class representative”); Krueger v. Wyeth, Inc., No. 03cv2496 JLS (AJB), 2008 WL 481956, at *2-*4 (S.D.Cal. Feb. 19, 2008) (“[T]he existence of claim splitting constitutes a compelling reason to deny class certification.”).
3. Rule 23(b)(3) Criteria
Even assuming that Ms. Fosmire’s claim met the foundational requirements of typicality and adequacy under Rule 23(a), her claim still would not qualify for class certification under the requirements of Rule 23(b). Ms. Fosmire alleges that common questions of law or fact predominate over individual questions because (1) the relevant language in the various policies is highly similar (see Class Cert. Mot. Ex. A.); (2) Progressive’s “don’t ask, don’t tell” policy is consistent throughout the relevant states; (3) the breach of contract claims have similar elements in all relevant states; (4) the states at issue recognize that diminished value is recoverable under tort law (see id. Ex. B); and (5) according to Ms. Fosmire, a class-wide determination of diminution of value damages is possible.12
The court, however, concludes that individual, and not common, questions will predominate in this lawsuit. There are at least seven states in which Progressive Max issues policies with UIM coverage, and at least 17 forms of those policies. In addition, as a result of the court’s prior ruling granting Ms. Fosmire’s motion to amend her complaint to add once again the other three Progressive Defendants (see Order (Dkt. # 104)), there may ultimately be a total of 24 states in Ms. Fosmire’s purported class.13 UIM coverage “is a creature both of statute and of contract. That is, the source of the obligation to offer UIM coverage is statutory, ... while the contractual relationship between the insured and the insurer governs the scope of coverage, subject to the minimum coverage requirements set forth in the UIM statute.” Manskerv. Farmers Ins. Co. of Wash., C10-0511JLR, 2010 WL 3699856, *4 (W.D.Wash. Sept. 14, 2010) (internal citations and quotation marks omitted). Thus, the court’s evaluation of the applicability of Rule 24(b)(3) here requires an analysis of both the statutory or legal source of coverage in each of the class states, as well as the specific contract lan[635]*635guage issued by Progressive in each of these states.
Although Ms. Fosmire asserts that tort law in the seven states in which Progressive Max issues UIM policies uniformly requires Progressive to pay diminution in value (see, e.g. Class Cert. Mot. Ex. B), in fact only one of the states at issue, Georgia, has addressed and affirmatively ruled on the availability of diminution of value damages in addition to the cost of repair under a UIM policy. See State Farm Mut. Auto. Ins. Co. v. Mabry, 274 Ga. 498, 556 S.E.2d 114, 123 (2001). Further, the language of each UIM statute varies to some degree. (See Glade Decl. (Dkt. # 90) Ex. DD.) Thus, determining whether each statute requires diminution damages would require an evaluation of the interplay between the statutory language and the tort law in each state.
In addition, every policy is governed by a different state’s breach of contract law, which in turn is determined by the contract’s choice-of-law provision. Each state’s breach of contract jurisprudence varies to some degree, including with respect to the length of the applicable statute of limitations, forms of recovery, and available contract defenses. All of these distinctions must be evaluated in light of the differing contract language in each of the various policy forms. While much of the language in these form policies is similar, there are nevertheless distinctions in the operative policy language and in the definitions of damages. (Class Cert. Mot. Ex. A.) Finally, there are also serious due process issues entailed in certifying a multi-state class in which a court sitting in Washington with no personal jurisdiction over a class member in another state (for example, Georgia) other than that he or she did not opt out of this class action, determines his or her claim for diminution in value under Washington law, as Ms. Fosmire proposes. See, e.g., Phillips Petro. Co. v. Shutts, 472 U.S. 797, 818-23, 105 S.Ct. 2965, 86 L.Ed.2d 628 (1985) (applying forum’s state law in class action to out-of-state class plaintiff without significant contacts to forum violates due process).
Yet, Ms. Fosmire asks this court to make a determination as to the availability of diminution damages in at least seven (and perhaps 24) different states. Because Ms. Fosmire seeks certification of a multi-state class for which the law of so many states potentially applies, she bears “the burden of demonstrating a suitable and realistic plan for trial of the class claims.” See Zinser, 253 F.3d at 1189 (internal quotations omitted). Based on the foregoing discussion, the court finds that Ms. Fosmire has failed to meet this burden. See, e.g., Schnall v. AT & T Wireless Sens., Inc., 171 Wash.2d 260, 271-73, 259 P.3d 129 (Wash.2011) (citing survey of federal cases denying certification of multistate class action when doing so would require the application of multiple states’ laws); see also Hoven-kotter, 2010 WL 3984828 *1, *7 (denying class certification of UIM multi-state class action for similar reasons). Accordingly, the court denies Ms. Fosmire’s motion to certify her putative class action under Rule 23(b)(3).
4. Rule 23(b)(2) Criteria
For similar reasons, the court also denies certification under Rule 23(b)(2). Rule 23(b)(2) provides that a class action may be maintained if “the party opposing the class has acted or refused to act on grounds that apply generally to the class, so that final injunctive relief or corresponding declaratory relief is appropriate respecting the class as a whole.” Fed.R.Civ.P. 23(b)(2). Based on this language, courts have held that class claims under Rule 23(b)(2) must be “cohesive.” See Grayson v. 7-Eleven, Inc., No. 09-CV1353 MMA (WMc), 2011 WL 2414378, at *2 (S.D.Cal. June 10, 2011) (citing Dukes, 603 F.3d at 622 (describing Rule 23(b)(2) as “highly cohesive”)); Sweet v. Pfizer, 232 F.R.D. 360, 374 (C.D.Cal.2005) (“[C]ourts have held that even though Rule 23(b)(2), unlike Rule 23(b)(3), does not specifically contain predominance and superiority requirements, a class under Rule 23(b)(2) must not be overrun with individual issues.”); Lewallen v. Medtronic USA, Inc., No. C0120395 RMW, 2002 WL 31300899, at *3 (N.D.Cal. Aug. 28, 2002) (“[T]o be certified under Rule 23(b)(2), the class claims must be cohesive____ [T]he requisite cohesiveness is lacking where individual issues predominate.”). “These authorities suggest Rule [636]*63623(b)(2) requires that a common legal ground be generally applicable to the class.” Gray-son, 2011 WL 2414378, at *2. Because, as described above, the individual issues contained with this proposed multistate class action overrun the common issues, the cohesiveness requirement for class certification under Rule 23(b)(2) is not met here.
In addition, the Supreme Court has recently held that class certification under Rule 23(b)(2) is not appropriate with respect to claims for monetary relief, at least where monetary relief is not incidental to the in-junctive or declaratory relief. Dukes, —• U.S.-, 131 S.Ct. at 2557. In Dukes, the Supreme Court referenced the Allison v. Cit-go Petroleum Corp., 151 F.3d 402 (5th Cir. 1998), definition of “incidental.” See Dukes, 131 S.Ct. at 2560. In Allison, the Fifth Circuit stated that incidental damages “should at least be capable of computation by means of objective standards and not dependent in any significant way on the intangible, subjective differences of each class member’s circumstances” and should not “entail complex individualized determinations,” rather such damages should “be more of a nature of a group remedy.” 151 F.3d at 415. As discussed above, the individual issues contained within this putative multi-state class action predominate, and thus the monetary damages sought by Ms. Fosmire and the putative class are not “incidental.”
Ms. Fosmire, nevertheless, asserts that this case is distinguishable from Dukes because she has sought to certify a separate class with regard to her damages claim under Rule 23(b)(3), and thus only injunctive or declaratory relief will be awarded under Rule 23(b)(2). (See Plaint. Supp. Resp. (Dkt. # 103).) The court, however, is unconvinced by Ms. Fosmire’s attempt to distinguish her putative Rule 23(b)(2) class from Dukes. First, her original class certification motion expressly requests “equitable compensation” as part of the relief sought in her Rule 23(b)(2) putative class action. (See Class Cert. Mot. at 22-23.) Further, the court has already found the class certification under Rule 23(b)(3) is inappropriate (see supra § III.B.3) and thus Ms. Fosmire’s putative Rule 23(b)(3) class is not available to serve as a separate vehicle for class damages. Accordingly, the court finds the Supreme Court’s ruling in Dukes is applicable, and denies Ms. Fosmire’s motion for class certification under Rule 23(b)(2).
5. Plaintiffs Request for Sub-Classes
In a footnote in her original motion, Ms. Fosmire states that “[s]hould the court find it appropriate to certify a subclass consisting of less than all Class States or Washington-only, Ms. Fosmire requests the Court utilize its discretion in certifying such a subclass.” (Class Cert. Mot. at 24, n. 49.) Ms. Fosmire also makes a request for the designation of subclasses in a paragraph of her reply memorandum. (Reply to Class Cert. Mot. at 10.) In her reply, she proposes a subclass that includes only those states in which Progressive admits diminished value is owed and yet knowingly under pays it, and a second subclass comprised of those states where Progressive denies diminished value claims based on an overly restrictive view of the states’ law. (Id.) Alternatively, she requests that the court certify a subclass comprised of only Washington insureds. (Id.)
The court does not “ ‘bear the burden of constructing subclasses’ or otherwise correcting Rule 23(a) problems; rather, the burden is on the plaintiff to submit proposals to the court.” Hawkins v. Comparet-Cassan% 251 F.3d 1230, 1238 (9th Cir.2001) (quoting U.S. Parole Comm. v. Geraghty, 445 U.S. 388, 408, 100 S.Ct. 1202, 63 L.Ed.2d 479 (1980)). Thus, Ms. Fosmire bears the burden of establishing the appropriate subclasses and demonstrating that each subclass meets the Rule 23 requirements. Rivera v. Bio Engineered Supplements & Nutrition, Inc., No. SACV07-1306JVS(RNBX), 2008 WL 4906433, at *3 (C.D.Cal. Nov. 13, 2008). She must come forward with the exact definition of each subclass, its representatives, and the reasons each subclass meets the prerequisites of Rule 23(a) and (b). Id. (citing Zinser, 253 F.3d at 1190). Neither the footnote in her original motion or the paragraph contained within her reply memorandum serve to satisfy Ms. Fosmire’s burden here. Further, as noted above, the Rule 23(a) foundational requirement of typicality is lacking [637]*637with regard to Ms. Fosmire due to her alleged material misrepresentation on her UIM insurance application. (See supra § III.B.2.a.) The subclasses proposed by-Ms. Fosmire would not resolve this issue. Accordingly, the court declines to exercise its discretion to certify subclasses.
IV. CONCLUSION
Based on the foregoing, the court GRANTS Progressive’s motion the exclude the expert report of Dr. Polissar (Dkt. # 87), and DENIES Ms. Fosmire’s motion for class certification (Dkt. ## 64 (sealed) & 91 (redacted)).