(1) An individual may not bring a cause of action while the individual is:
(a) under 18 years old; or
(b) mentally incompetent without a legal guardian.
(2) During the time that an individual is underage or mentally incompetent, the statute of limitations for a cause of action other than for the recovery of real property may not run.
(3) A cause of action under this section includes any claim:
(a) for general or special damages; or
(b) for which a parent or legal guardian of an individual described in Subsection (1) may be financially responsible for the payment of general or special damages.