Filing Deadlines and the Rules That Can Shorten or Extend Them
For injuries to the person, section 9-1-14 of the Rhode Island General Laws provides that actions "shall be commenced and sued within three (3) years next after the cause of action shall accrue, and not after." The statute gives two exceptions. Claims based on sexual abuse or exploitation of a child are governed by a different section. And under subsection (c), where an action was properly filed against an insured within the time limit, process against that person was returned "non est inventus" (not found) and filed with the court, the time to sue the insurer directly under section 27-7-2 is extended an additional 120 days.
For a death, section 10-7-2 of the Rhode Island General Laws provides that, except as otherwise provided, the action "shall be commenced within three (3) years after the death." Where the wrongful act, neglect or default "is not known at the time of death," the action is commenced within three years of when it is discovered or, with reasonable diligence, should have been discovered.
For a child, section 9-1-19 of the Rhode Island General Laws provides that if a person, when the cause of action accrues, is under eighteen, of unsound mind or beyond the limits of the United States, the person "may bring the cause of action, within the time limited under this chapter, after the impediment is removed."
Where a town or city is involved, section 45-15-5 of the Rhode Island General Laws sets a method: the person presents to the town or city council "a particular account" of the claim and how it was incurred, and if satisfaction is not made by the treasurer within forty days after presentment, the person may commence an action against the treasurer.
A missed limitation period can end a claim whatever its merits. The practical questions are when the injury happened, whether the injured person was under eighteen, and whether a town or city may be involved, since each can change which rule applies and when it began to run.