The district court did not abuse its discretion in denying class certification in this case involving the valuation of totaled cars. While defendants might have uniformly violated a Washington state insurance regulation requiring itemization of deductions in calculating the car’s value, there was no private right of action under the regulation. Plaintiffs sued for breach of contract and unfair trade practices, instead. Both of those claims required proof of proximately caused damage. So plaintiffs had to show that the amount paid each class member was less than the true fair market value of the car, a predominant individual issue which made the suit unmanageable as a class action. This was not merely a “damages issue” since the defendants were not liable absent proof of injury.