*601f 1 By the time of his father’s death, Randall L. Clare, individually and as the personal representative of the Estate of Clifford S. Clare, either knew or should have known of the essential elements of the product liability, negligence, wrongful death, and survivorship claims arising from that death. Because this action was not filed for a period of almost six years, the claims are barred by the applicable three-year statute of limitations. Summary judgment was appropriate.
Grosse, J.FACTS
|2 Clifford S. Clare had a number of jobs during his life. Mainly he had been a truck mechanic, but he also worked as a steel company welding assistant and a home reconstruction worker. In June 1996, he was diagnosed with metastatic mesothelioma. He died of the disease within six months of the diagnosis. Before Clare died, his physician noted in Clare’s medical records that Clare worked as a truck mechanic for about 30 years, including brake repair, which likely exposed him to asbestos dust. The physician also noted there was no other significant overt asbestos exposure.
¶3 On October 16, 2002, almost six years after Clare’s death, Vola I. Clare, as surviving spouse and the prospective personal representative of Clare’s estate, filed a complaint against a number of defendants, including Saber-hagen Holdings, Inc. (Saberhagen). Later amendments to the complaint changed the plaintiff to Randall L. Clare as personal representative and added General Motors Corporation (GMC) as a defendant.
¶4 The trial court granted summary judgment to GMC and Saberhagen after it determined that reasonable minds *602could reach only one conclusion with respect to application of the statute of limitations, despite potential application of the discovery rule.1
DECISION
¶5 RCW 4.16.080(2) sets a three-year statute of limitations for torts, which includes product liability actions. Generally, accrual of the statute of limitations begins at the time the act or omission causing the tort injury occurs.2 The complaint includes causes of action for wrongful death and negligence which are also subject to the three-year statute of limitations. Here, accrual of the statute of limitations is governed by the discovery rule.3
¶6 Randall L. Clare, as personal representative of the Estate of Clifford S. Clare, claims that proper application of the discovery rule should result in a holding that the claims were not time barred.4 Under Washington’s discovery rule, a cause of action does not accrue until a party knows or reasonably should have known the essential elements of the possible cause of action.5
*603f7 However,
The general rule in Washington is that when a plaintiff is placed on notice by some appreciable harm occasioned by another’s wrongful conduct, the plaintiff must make further diligent inquiry to ascertain the scope of the actual harm. The plaintiff is charged with what a reasonable inquiry would have discovered. “[0]ne who has notice of facts sufficient to put him upon inquiry is deemed to have notice of all acts which reasonable inquiry would disclose.” Hawkes v. Hoffman, 56 Wash. 120, 126, 105 P. 156 (1909).[6]
Thus, the discovery rule requires a plaintiff to use due diligence in discovering the basis for the cause of action.7
¶8 The plaintiff bears the burden of proving that the facts constituting the claim were not and could not have been discovered by due diligence within the applicable limitations period.8 Whether a party exercised due diligence is normally a factual issue, which usually precludes granting summary judgment.9 However, when reasonable minds could reach but one conclusion, questions of fact may be determined as a matter of law.10
19 In the summary judgment context we determine whether sufficient undisputed facts exist to establish the time of accrual. In other words, the discovery rule will postpone the running of the statute of limitations only until the time a plaintiff, through the exercise of due diligence, should have discovered the basis for the cause of action. A cause of action will accrue on that date even if actual discovery did not occur until a later date.11 The key consid*604eration under the discovery rule is the factual, not the legal, basis for the cause of action.12
¶10 Here, Randall Clare, as personal representative, relies on his own declaration and that of his mother, the surviving spouse, indicating they did not know about the availability of a cause of action for Clare’s mesothelioma until 2002. But medical records dated November 1, 1996, which have been provided in this case, indicate that Clare worked as a truck mechanic for 30 years, which likely exposed him to asbestos dust in brakes, causing his disease. In these circumstances, the personal representative’s position ignores the responsibility to affirmatively investigate the facts and circumstances. The knowledge acquired by Clare in connection with the illness and death of his father gave rise to a duty of diligence if accrual of the statute of limitations was to be postponed. A claimant who knows of the harm and the immediate cause of the harm, but fails to make any meaningful inquiry, has breached the due diligence duty.13
¶11 As our Supreme Court held in Reichelt:
Mr. Reichelt would have us adopt a rule that would in effect toll the statute of limitations until a party walks into a lawyer’s office and is specifically advised that he or she has a legal cause of action; that is not the law. A party must exercise reasonable diligence in pursuing a legal claim. If such diligence is not exercised in a timely manner, the cause of action will be barred by the statute of limitations.[14]
The relevant facts necessary to investigate the claims here were known in November 1996, or at the latest by the date of Clifford Clare’s death in December 1996. The decedent and his family knew he was a mechanic, that he had been exposed to asbestos-laden brake dust, and that the defendants supplied the trucks or materials for the trucks on *605which he worked. While the Clares may not have specifically known the legal cause, they certainly had facts giving rise to a duty to inquire. Yet the action was not filed until almost six years later.
¶12 In sum, under the discovery rule, a plaintiff’s cause of action accrues when he or she knew or should have known the essential statutory elements of the claim. A plaintiff “should have known” when he or she is placed on notice that the statutory elements are in place, and the plaintiff is charged with what a reasonable or diligent inquiry would have discovered at that time.15 In the present case, the decedent and his representatives failed to investigate. The utter lack of any effort to investigate the cause of Clare’s asbestos-related disease for a period of almost six years cannot save the causes of action. As a matter of law, Clare and/or his representatives knew of the elements of the various causes of action by December of 1996 at the latest.
¶13 The trial court properly applied the discovery rule and found there was a lack of any diligence to ascertain information necessary to timely proceed with claims. The summary judgment is affirmed.
Cox, C.J., concurs.
The usual standard of review for summary judgment applies. In reviewing a grant of summary judgment, an appellate court engages in the same inquiry as the trial court. Wilson v. Steinbach, 98 Wn.2d 434, 437, 656 P.2d 1030 (1982). We review the motion for summary judgment de novo and treat all facts and inferences therefrom in a light most favorable to the nonmoving party. Summary judgment is appropriate “if the pleadings, depositions, answers to interrogatories, and admissions on file, together with the affidavits, if any, show that there is no genuine issue as to any material fact and that the moving party is entitled to a judgment as a matter of law.” CR 56(c). Where reasonable minds could reach but one conclusion from the admissible facts in evidence, summary judgment should be granted. LaMon v. Butler, 112 Wn.2d 193, 199, 770 P.2d 1027 (1989).
White v. Johns-Manville Corp., 103 Wn.2d 344, 348, 693 P.2d 687 (1985).
Sahlie v. Johns-Manville Sales Corp., 99 Wn.2d 550, 553, 663 P.2d 473 (1983).
RCW 7.72.060 was enacted to modify the discovery rule in product liability cases but applies only to claims arising on or after July 26, 1981. See RCW 4.22.920. Clare alleges that the exposure here occurred prior to 1981 and that the later statute is not applicable to the present litigation.
Ohler v. Tacoma Gen. Hosp., 92 Wn.2d 507, 511, 598 P.2d 1358 (1979); Sahlie, 99 Wn.2d at 553.
Green v. A.P.C., 136 Wn.2d 87, 96, 960 P.2d 912 (1998) (alteration in original).
Allen v. State, 118 Wn.2d 753, 758, 826 P.2d 200 (1992); In re Estates of Hibbard, 118 Wn.2d 737, 746, 826 P.2d 690 (1992); Reichelt v. Johns-Manville Corp., 107 Wn.2d 761, 772, 733 P.2d 530 (1987).
G.W. Constr. Corp. v. Prof’l Serv. Indus., Inc., 70 Wn. App. 360, 367, 853 P.2d 484 (1993).
Winbun v. Moore, 143 Wn.2d 206, 213, 18 P.3d 576 (2001).
Allen v. State, 60 Wn. App. 273, 276, 803 P.2d 54 (1991), aff’d, 118 Wn.2d 753, 826 P.2d 200 (1992).
Allen, 118 Wn.2d at 758.
Allen, 118 Wn.2d at 758.
Gevaart v. Metco Constr., Inc., Ill Wn.2d 499, 502, 760 P.2d 348 (1988); Zalech v. Everett Clinic, 60 Wn. App. 107, 114, 802 P.2d 826 (1991).
Reichelt v. Johns-Manville Corp., 107 Wn.2d 761, 772, 733 P.2d 530 (1987).
See Green, 136 Wn.2d at 96.