Filing Deadlines Under New Jersey Law — and Why the 90-Day Rule Can Change Everything
A statute of limitations sets how long a person has to file a lawsuit. In the first weeks after a drowning, dates are often the last thing on a family's mind, which is why it helps to know them plainly.
For an injury, including a nonfatal drowning, section 2A:14-2 of the New Jersey Statutes provides that, except as otherwise provided by law, every action for an injury to the person caused by the wrongful act, neglect or default of another "shall be commenced within two years next after the cause of any such action shall have accrued." That section also sets a separate rule for medical malpractice injuries at birth, which is outside this site's subject.
For a death, section 2A:31-3 of the New Jersey Statutes provides that a wrongful-death action "shall be commenced within 2 years after the death of the decedent, and not thereafter." The exception: if the death resulted from murder, aggravated manslaughter or manslaughter for which the defendant has been convicted, found not guilty by reason of insanity or adjudicated delinquent, the action may be brought at any time.
For a child, section 2A:14-21 of the New Jersey Statutes provides that a person under 18, or a person with a mental disability that prevents understanding legal rights, when the claim accrues may bring the action within the time those statutes allow after reaching majority or regaining capacity, except for medical malpractice injuries at birth.
When a public entity or public employee is involved, section 59:8-8 of the New Jersey Tort Claims Act requires the claim to be presented "not later than the 90th day after accrual of the cause of action." Suit may be filed after six months from the date the notice of claim is received. The claimant is "forever barred" from recovering against the public entity or employee if the claim was not filed within 90 days of accrual, except as section 59:8-9 provides; if two years have passed since accrual; or if the claimant or an authorized representative settled the claim. The section also says it does not prohibit a minor or a person who is mentally incapacitated from bringing an action within its time limits after reaching majority or returning to capacity.
The gap between these rules is what matters most. The 90-day claim is separate from, and much shorter than, the two-year periods, so a loss at a municipal pool or public beach carries an earlier first step than one at a private hotel. That is why the question of who ran the location, and when the claim accrued, so often comes first.