... SULLIVAN, Justice. The amount of medical expenses actually paid by the plaintiff in this personal
injury case was discounted from the amount originally billed because of arrangements between
the plaintiff's health insurance company and the medical service providers. ...
... Under Indiana's discovery rule, a cause of action accrues, and the statute of limitation begins
to run, when a claimant knows or in exercise of ordinary diligence should have known of the
injury. Wehling v. Citizens Nat'l Bank, 586 NE2d 840, 843 (Ind.1992). ...
... [2] Consistent with this principle, where the injury to the plaintiff is from a defective product or
service (as the Library alleges here), the defendant is liable under a tort theory if the defect causes
personal injury or damage to property other than the product or service itself. ...