¶ 1 In сonformity to the Uniform Certification of Questions of Law Act, 1 the United States Court of Appeals for the Tenth Circuit (“certifying court”) submitted the following questions:
(1) To what extent, if any, does Brashier v. Farmers Insurance Co. .. . 2 preclude trial court allowance of attorney fees and prejudgment interest under Okla. Stat. Ann. tit. 36, § 3629(B) 3 in insurance bad *1256 faith cases in which the insured does not also recover on a contract claim?
(2) Following Brashier, are insurance bad faith claimants proceeding under Oklahoma law precluded from recovering attorney’s fee and prejudgment interest in cases in which a claim is predicated on tort rather than contract?
¶ 2 As we understand the first question, it calls for an answer to whether Brashier construes the terms of 36 O.S.1991 § 3629(B) to bar an award of attorney’s fee and prejudgment interest in actions rested on a theory other than ex contractu. We answer in the negative. Recovery authorized by § 3629(B) embraces both contract- and tоrt-related theories of liability so long as the “core element” of the damages sought and awarded is composed of the insured loss. 4 Brashier does not address itself to the insured’s right to recover, under § 3629, prejudgment interest on an award for the insured property loss. Prejudgment interest on an insured property-loss recovery — as an additional item of damages to the insured — is authorized by the terms of § 3629(B), to be construed together with thоse of 23 O.S.1991 § 6, 5 whenever (a) the insured is the prevailing party and (b) the damages for loss were capable of ascertainment by reference to well-established market values. 6 In that context prejudgment interest is deemed to be a statutorily added item of damages.
¶ 3 As we understand the second question, it asks that we answer whether Brashier may be construed to bar the § 3629 recovery of counsel-fee award and prejudgment interest in actions рrosecuted solely on the theory of insurer’s bad-faith refusal to settle. We declare that Brashier does not bar a counsel-fee award in tort claims for bad-faith refusal to settle a property loss. A prevailing party’s counsel fee also may be viewed as an element of the insured’s recovery for the insurer’s bad-faith refusal to settle the claim. In short, it does not rest solely on the § 3629 authority. 7 The right of an insured tо recover prejudgment interest on the insured property loss (awarded in a bad-faith tort claim) is authorized as an additional .item of damages to the insured by the terms of § 3629(B), to be construed together with those of 23 O.S.1991 § 6, 8 whenever (a) the insured is the prevailing party and (b) the damages for the insured loss were capable of ascertainment by reference to well-established market values. 9
I
THE ANATOMY OF FEDERAL LITIGATION
¶ 4 A hail storm damaged David and Jessica Taylor’s [Taylors] roof in April 1992. At the time their residence was covered by a homeowner’s policy issued by State Farm Fire and Casualty Company [State Farm], The parties differed on the extent and on the cost of repair.
¶ 5 Suit was brought in March 1994 on ex contractu and ex delicto theories of liability. The Taylors sought recovery (a) on the homeowner’s policy for loss to the roof and (b) for State Farm’s alleged breach of its implied duty of good faith and fair dealing by refusing to settle the claim. The district court summarily ruled out as time-barred the contract theory of liability, but allowed the trial to proceed on the tort theory. 10 The jury returned a verdict for the Taylors in the amount of $39,002.25 in actual damages. The *1257 Taylors moved for an award of attorney’s fee, costs and prejudgment interest, all alleged to be due under the terms of 36 O.S.1991 § 3629. 11 Relying on Thompson v. Shelter Mutual Insurance, 12 the district court set the counsel-fee award at $126,000 13 (including costs) with prejudgment interest of $16,-608.14. 14 According to Thompson, the terms of § 3629(B) allow a counsel-fee award for time spent preparing and prosecuting a bad-faith claim, whenever the insured succeeds in litigation and meets the statutory requirement of obtaining a judgment larger than that of the greatest settlement offer from the insurer. 15
¶ 6 State Farm’s quеst for review in the U.S. Court of Appeals for the Tenth Circuit is confined to corrective relief from the award of attorney’s fee, costs and prejudgment interest. According to State Farm, the terms of § 3629 do not support the challenged recovery absent the insureds’ victory on their contract claim. The certifying court notes that the parties disagree on whether Thompson’s vitality has been undermined by the teachings of Brashier. It is this dispute between the litigants that appears to form the basis of the federal court certification.
II
THE NATURE OF THIS COURT’S FUNCTION WHEN ANSWERING QUESTIONS FROM A FEDERAL COURT
¶7 While in answering the queries posed by a federal court the parameters of state-law claims or defenses identified by the submitted questions may be tested, it is not this court’s province to intrude (by its responses) upon the certifying court’s decision-making process. 16 The latter court must be left entirely free to assess the impact of our answers and then make its own appraisal of the proof in the case before it. 17
¶8 Because this case is not before us for decision, we refrain, as we must, from applying the declared state-law responses to the facts in the federal-court litigation, which are tendered for review by the certifying court either in the form of evidence adduced at trial or in acceptable probative substitutes (the so-called “evidentiary materials”). 18 The task of analyzing today’s answers for their application to this case is deferred in its entirety to the certifying court.
Ill
BRASHIER’S TEACHINGS AND THEIR HISTORICAL ANTECEDENTS
A.
Insured Loss Recovery under Ex Contractu And Ex Delicto Theories
¶ 9 While numerous items of damage may result from one injurious occurrence, the party who seeks to recover for an *1258 insured loss has hut a single came of action, although its claim may be advanced concurrently on ex contractu and ex delicto theories. 19 When a lawsuit is brought solely for recovery of loss under the policy, it is, of course, limited to an ex contractu theory. But when an action is pressed for bad-faith refusal to settle — first recognized as a distinct tort in Christian v. American Assur. Co. 20 — the plaintiff may seek damages (a) for the loss payable under the policy together with (b)' those other items of recovery that are consistent with harm flowing from insurer’s bad-faith breach of its implied-in-law duty to settle. 21 In sum, while no identifiable ex contractu recovery is achieved by the victorious bad-faith plaintiff, indemnity for loss (under the contract) constitutes the centerpiece element of damages included in every ex delicto recovery for bad-faith refusal to settle. 22
B.
The Teachings of Brashier
¶ 10 The issue in, Brashier 23 was whether, in light of § 3629’s explicit exclusion from its purview of UM losses, 24 the victorious UM plaintiff was nonetheless entitled to an attorney’s fee as a common-law element of his bad-faith recovery. Concluding that § 3629 did not explicitly abrogate the pre-existing common law, the court allowed a counsel-fee award as an item of recoverable harm. The Brashier pronouncement stands confined to UM claims. It resulted from the legislative failure explicitly to address in § 3629 the continued viability of pre-existing common-law authority.
IV
THE EFFECT OF BRASHIER ON THIS LITIGATION INSOFAR AS THE INSUREDS SEEK A COUNSEE-FEE AWARD
A.
A Counsel-Fee Award Under 36 O.S.1991 § 3629(B)
¶ 11 The law yields two sources of authority for counsel-fee allowance in bad-faith tort claims — the text of § 3629 25 and the common-law jurisprudence (under the teachings of Christian). 26 Section 3629 provides, among others, for the prevailing party’s recovery of counsel fee in an action for the insured loss recovery. Counsel-fee award under § 3629 depends not on the theory of liability imposed but on the recovery of the insured loss as the prevailing party’s core element of reparations. Ever since this court’s pronouncement in Oliver’s Sports Center, Inc. v. Nat’l Standard Ins. Co., 27 § 3629 has been held to authorize counsel-fee awards in both contract and tort claims *1259 against the insurer, so long as the insured lоss constitutes the core element of the awarded recovery. 28
¶ 12 While in Brashier the insured loss lay at the core of bad-faith recovery, it was for a coverage (UM) that was explicitly excluded from the purview of § 3629. Brashier declares that UM-loss recovery in bad-faith claims qualifies for a counsel-fee award under the teachings of Christian.
B.
Counsel-Fee Award As An Element of Damages In A Bad-Faith Claim
¶ 13 The remedy of bad-faith refusal to settle a claim rests on the insurer’s implied-in-laiv duty to act in good faith and to deal fairly with the insured. 29 Christian stands for the notion that counsel fees are a common-law element of the insured’s damage for the insurer’s bad-faith refusal to pay the claim. 30
¶ 14 Brashier addresses itself only to claims based on bad-faith refusal to pay a UM loss. No other class of insurance recovery is implicated by its teachings. What Brashier settles is that, although a party prevailing in a claim for bad-faith refusal to settle a UM loss may not be allowed an aivard of counsel fee under the authority of § 3629, an attorney’s fee is recoverable by the prevailing party as a recognized common-law element of damage. In short, Brashier teaches that the UM coverage exсlusion from the purview of § 3629 falls short of abrogating the common law of Christian.
Y
THE EFFECT OF BRASHIER ON THIS LITIGATION INSOFAR AS THE INSUREDS SEEK PREJUDGMENT INTEREST
¶ 15 Brashier does not reach the issue whether prejudgment interest may be added — from the time of the claim’s accrual to the date of judgment — on the amount of recovery for an insured property loss. The award of prejudgment interest in Brashier rests on 12 O.S.1991 § 727, 31 which governs solely personal-injury elements of recovery. 32 Section 727 is clearly not applicable to a property damage loss. 33 The statute that governs prejudgment interest awardable qua damages is 23 O.S.1991 § 6. 34 Its terms, which are declaratory of the common law, provide in pertinent part:
Any person who is entitled to recover damages certain, or capable of being made certain by calculation, and the right to recover which is vested in that person *1260 upon a particular day, is entitled also to recover interest thereon frоm that day.
(emphasis added).
A.
The Common-Law Antecedents of § 6
¶ 16 Interest was permitted at common law on a debtor’s failure to repay a loan according to the contract terms. 35 This concept led to the development of the distinction- — still present in the law of damages— between claims for liquidated and unliquidat-ed amounts. 36 Interest, though allowed on liquidated claims, was denied on demands considered unliquidated. This principle of English jurisprudence became a part of the American common law. 37 As courts began to view compensation as the primary goal of damage awards, there developed some relaxation in the requirement that recovery of prejudgment interest be confined to liquidated demands. 38 If the amount of an injured party’s claim could be determined by reference to well-established market values or by computation, the injured party could be awarded interest as a matter of law. 39 This view came to be incorporated into the New York Civil Code, 40 which was adopted in 1866 by the Dakota Territory. 41 Oklahoma’s prejudgment interest statute in § 6 was derived from the laws of Dakota. 42
¶ 17 Prejudgment interest on an insured property-loss recovery is governed by thе legislative approval of the applicable common law which is declared in § 6. 43 *1261 Damages are certain within the meaning of § 6 if they are liquidated or capable of ascertainment before judgment through calculation by resort to well-established market values, 44 Interest on the insured loss is allowable from the date the claim becomes certain 45 and the loss is payable under the terms of the policy. 46 Prejudgment interest is regarded as a part of the recoverable harm. In bad-faith recovery cases, prejudgment interest would accrue on the liquidated amount of the insured property loss. 47
¶ 18 In sum, if a (property loss) demand’s value is unascertainable until its quantum is judicially settled, no prejudgment interest is the victor’s due. 48 But if the value of the demand is fairly ascertainable before its settlement by judgment, prejudgment interest will accrue. 49
B.
§ 3629 and § 6 are In Pari Materia
¶ 19 Different statutes on the same subject are generally to be viewed as in pan materia and must be construed as a harmonious whole. 50 All legislative enactments in pari materia are to be interpreted together as forming a single body of law that will fit into a coherent symmetry of legislation. 51 We cannot conclude that the legislature intended for § 3629 to supersede the terms of 23 O.S.1991 § 6 by making prejudgment interest an across-the-board advantage of every prevailing party. We hence declare that § 3629 neither expands nor abridges a successful party’s еntitlement to prejudgment interest in the insured loss litigation.
¶ 20 When construed together with § 6, the purview of § 3629 is restricted to those property-loss recoveries in which the insured loss was for a liquidated amount or for an amount that could be made ascertainable by reference to well-established market values. Before prejudgment interest is one’s due, it must be determined that, at the time proof of loss was denied, the quantum of the loss could be ascertained by reference to market values. 52
C.
Pre-Existing Common Law Cannot Be Abrogated Without Explicit Legislative Direction
¶21 Any notion that § 3629 was intended to give every prevailing party in a suit for recovery of the insured property loss the benefit of prejudgment interest would not only repeal § 6 — an enactment long in force — but would also abrogate, without any semblance of legislative authority, pre-exist-ing common law that stands declared by that section. By the mandate of 12 O.S.1991 § 2 the common law remains in full force unless a statute explicitly provides to the contrary. Legislative abrogation of the common law *1262 may not be effected by mere implication. 53 It must be clearly and plainly expressed. 54
¶22 If the amount due for the Taylors’ loss is found to have been “fairly ascertainable” in value when their proof of loss was denied, prеjudgment interest will accrue on the amount of the recovered property loss that was insured.
VI
SUMMARY
¶23 In answer to question one we declare Oklahoma law to be that for actions prosecuted in tort to recover for the insurer’s bad-faith refusal to settle, Brashier bars neither an award of attorney’s fee nor of prejudgment interest which stands authorized by the terms of 36 O.S.1991 § 3629(B), 55 One’s victory solely on a contract theory of recovery is not the sine qua non of a § 3629(B) counsel-fee award. Recovery under § 3629(B) embraces both contract- and tort-related theories of liability so long as the insured loss is the core element of the prevailing litigant’s recovery. Nor does Bra-shier address itself to the issue whether prejudgment interest may be added — from the accrual time of the claim to the date of judgment — on the amount of recovery for the insured property loss. Prejudgment interest is authorized by the terms of § 3629(B), tо be construed together with 23 O.S.1991 § 6, 56 upon the insured property loss recovered as part of one’s bad-faith claim whenever the insured is the prevailing party and the insured loss was for a liquidated amount or for an amount capable of ascertainment by reference to well-established market values.
¶ 24 In answer to question two we declare Oklahoma law to be that Brashier does not bar a § 3629 recovery of counsel-fee award in a common-law tort action for bad-faith refusal to settle a claim (other than one for UM loss). Counsel-fee allowance, which may also be awarded as an element of the insured’s damages for the insurer’s bad-faith refusal to pay a claim, does not hence rest solely on the authority of § 3629. Prejudgment interest on the insured property loss recovered in a bad-faith-refusal action is authorized by § 3629(B), to be construed together with § 6, as an additional item of damages to the insured, whenever the insured is the prevailing party and the insured loss was for a liquidated amount or for an amount capable of ascertainment by reference to well-established market values.
¶ 25 CERTIFIED QUESTIONS ANSWERED.
Notes
.
.The pertinent terms of 36 O.S.1991 § 3629(B) are:
Insurer must submit a written offer оf settlement or rejection of the claim to the insured within ninety (90) days of receipt of proof of loss. Upon a judgment rendered to either party, costs and attorney fee shall be allowable to the *1256 prevailing party. The prevailing party is the insurer in those cases where judgment does not exceed written offer of settlement. In all other judgments the insured shall be the prevailing party. If the insured is the prevailing party, the court in rendering judgment shall add interest on the verdict at the rate of fifteen percent (15%) per year from the date the loss was payable pursuant to the provisions of the contract to the date of the verdict.
(emphasis supplied).
. See discussion in Part IV(A) infra.
. For the terms of 23 O.S.1991 § 6, see Part V, infra.
. See discussion in Part V, infra.
. See discussion in Part IV(B) infra.
. For the terms of 23 O.S.1991 § 6, see Part V, infra.
. See discussion in Part V, infra.
. Extant jurisprudence imposes a two-year limitation upon a tort action based on bad-faith refusal tо settle a claim.
Lewis v. Farmers Ins. Co., Inc.,
. For the pertinent terms of 36 O.S.1991 § 3629, see supra note 3.
.
. For the amount of the counsel-fee award and costs the district court relied on the parties’ stipulation.
. The prejudgment interest of $16,608.14 was calculated (at 15% per annum) from 3 June 1992 (the date that State Farm made a written offer to adjust its previous settlement offer) to 28 April 1995 (the day judgment was entered).
. Thompson, supra note 12 at 1465.
. See Uniform Laws Annotated, Uniform Certification of Questions of Law Act/Rule (1995); Goldschmidt, Certification of Questions of Law; Federalism in Practice, American Judicature Society (1994).
.
See, e.g., Shebester v. Triple Crown Insurers,
.
Schmidt v. United States,
. Our current remedial regime gives the insured a choice between two alternative theories of recovery — one founded on promise-generated liability and the other on insurer’s duty of good faith implied in its status
qua
insurer or derived from public policy considerations.
Mann v. State Farm Mut. Auto. Ins. Co.,
.
. Id. at 901.
. If a notion does still persist that a bad-faith tort claim for refusal to settlе is devoid of ex contractu underpinnings, it comes through the confusion of the term "claim” with that of "recovery.” In an ex contractu claim it is solely the insured loss that may be recovered, while the elements of recovery in the bad-faith suit are for more than the irisured loss: (a) the loss to be indemnified under the policy plus (b) the harm from insurer's bad-faith refusal to settle.
. Brashier, supra note 2 at 22.
. For the pertinent terms of 36 O.S.1991 § 3629(B), see supra note 3.
. For the text of 36 O.S.1991 § 3629(B), see supra note 3.
. Christian, supra note 20.
.
.
For application of the Oliver’s Sports
approach,
see McCorkle v. Great Atlantic Inc. Co.,
. Christian, supra note 20 at 901. A Christian claim — crafted from the nature of the insured/insurer relationship — flows not so muсh from contract as it does from law that attaches a cluster of implied-in-law duties to the insurer/insured status. Id.
. Christian, supra note 20 at 901.
. The pertinent terms of 12 O.S.1991 § 727(A)(2) are:
When a verdict for damages by reason of personal injuries ... is accepted by the trial court, the court in rendering judgment shall add interest on said verdict at a rate prescribed pursuant to subsection B of this section from the date the suit was commenced tо the date of verdict....
.
Brashier, supra
note 2 at 26;
Timmons v. Royal Globe Ins. Co.,
. Although personal-injury recovery is for unliq-uidated damages, by explicit legislative declaration prejudgment interest nonetheless attachеs to that kind of award. 12 O.S.1991 § 727. In short, § 727 takes personal-injury recovery out of the rubric that is governed by § 6.
.
Shanbour v. Phillips 66,
. The early common law viewed any interest as usurious and illegal. With the expansion of commercial activity, this view changed and English courts permitted the collection of interest on a debtor’s failure to repay a loan according to the contract terms.
Lowe v. Waller,
. If the amount of damages was a fixed sum (such as the face amount of an insurance policy), the claim was considered liquidated. This is so because a defendant knew the amount owing and could immediately pay the damages. If the damages were uncertain, the claim was considered unliquidated. The defendant could not determine the extent of liability before trial. The liquidated-unliquidated dichotomy test presupposed that a defendant was liable for prejudgment interest only if the defendant knew or could have deteimined the amount of damages. Oyos, supra note 35 at 487; McCormick, supra note 35 at § 51; Sedgwick, supra note 35 at § 292.
. Oyos, supra note 35 at 487; Dobbs, supra note 35 at § 3.5; McCormick, supra note 35 at §§ 54-56; Sedgwick, supra note 35 at §§ 299, 315.
. By the mid-nineteenth century, several theories concerning interest as damages were current. The prevailing view permitted recovery beyond strictly liquidated claims. Oyos, supra note 35 at 487; U.C.L.A. Comment, supra note 35, at 265.
.
Oyos, supra
note 35 at 487;
McMahon v. New York & Erie Railroad,
. Field, The Civil Code of ti-ie State of New York, §§ 1835, 1836 (1865).
. 1 South Dakota Code of 1939 (1939); Oyos, supra note 35 at 487.
. 23 O.S.1991 § 6 (Historical Note).
.
Withrow v. Red Eagle Oil Co.,
.
Sandpiper North Apartments, Ltd. v. American Nat’l Bank and Trust Co.,
.
Heiman v. Atlantic Richfield Co.,
. Fidelity-Phenix, supra note 34 at 987.
. See, e.g., Timmons, supra note 32, where prejudgment interest was invoked for just one item of a party's multi-element recovery.
.
Cook, supra note
45 at 152;
Allison v. Allen,
. Cook, supra note 45 at 152; Smith, supra note 48 at 683.
.
State v. Phillips Petroleum Co.,
.
Sharp v. Tulsa County Election Bd.,
. Sandpiper, supra note 44 at 993.
. Brashier, supra
note 2 at 22;
Tate v. Browning-Ferris,
.
Tate, supra
note 53 at 1225-1226;
Fuller v. Odom,
. For the text of 36 O.S.1991 § 3629, see supra note 3.
. For the text of 23 O.S.1991 § 6, see Part V supra.