Filing Deadlines and Notice Requirements Under Indiana Law
Under section 34-11-2-4 of the Indiana Code, an action for "injury to person or character" "must be commenced within two (2) years after the cause of action accrues." Under section 34-11-6-1, "A person who is under legal disabilities when the cause of action accrues may bring the action within two (2) years after the disability is removed."
Product liability claims follow a different clock. Section 34-20-3-1 says that, except as section 2 of that chapter provides, a product liability action must be commenced "within two (2) years after the cause of action accrues; or within ten (10) years after the delivery of the product to the initial user or consumer." If the cause of action accrues at least eight but less than ten years after that delivery, the action "may be commenced at any time within two (2) years after the cause of action accrues." That section applies "to all persons regardless of minority or legal disability," notwithstanding section 34-11-6-1.
Government claims carry shorter notice windows. Under section 34-13-3-6, except as sections 7 and 9 provide, a claim against the state is barred unless notice is filed with the attorney general or the state agency involved within 270 days after the loss occurs; filing with the wrong agency does not bar the claim if the claimant reasonably attempts to find and serve the right one. Under section 34-13-3-8, except as section 9 and its subsection (b) provide, a claim against a political subdivision is barred unless notice is filed within 180 days after the loss with its governing body and, unless that program has expired, the Indiana political subdivision risk management commission; missing the commission does not bar a claim if the subdivision was not a member of the risk management fund when the act or omission occurred. Under section 34-13-3-9, a person who is incapacitated and cannot give notice must file it within 180 days after the incapacity is removed.
The notice must describe the facts, including the circumstances, extent, time and place of the loss, the people involved if known, the damages sought and the claimant's residence (section 34-13-3-10). It must be in writing and delivered in person or by registered or certified mail (section 34-13-3-12), and no suit may begin until the claim "has been denied in whole or in part" (section 34-13-3-13).
When one accident could involve a private owner, a manufacturer and a public body, several of these clocks may run at once, and a missed one can bar a claim. If a public building may be involved, a conversation about which deadlines apply is one option.