Understanding the Statute of Limitations for Personal Injury Claims in Missouri

Finder Law Serves Clients Across Jefferson City, Columbia, and Central Missouri

May 15, 2025

Understanding the Statute of Limitations for Personal Injury Claims in Missouri

When you suffer an injury due to an accident, medical malpractice, or negligence, you may have the right to pursue legal action to receive compensation for your damages. However, it’s essential to understand that personal injury claims are subject to a time limit called the "statute of limitations." This time limit is crucial to know because if you wait too long to file your claim, you might lose your right to pursue legal action altogether. In Missouri, this time frame varies depending on the type of claim, so it’s important to be aware of the specific deadlines that apply to your case.

What is a Statute of Limitations?

The statute of limitations is a law that sets a maximum time after an event within which legal proceedings must be initiated. Once this time limit expires, the legal claim is typically barred from being pursued in court. The purpose of the statute of limitations is to ensure that claims are filed while evidence is still fresh, witnesses are available, and cases can be resolved efficiently.



In Missouri, personal injury claims must be filed within specific time limits depending on the nature of the injury. Let's take a closer look at the relevant statutes for various types of personal injury cases in Missouri.

Missouri Statute of Limitations for Personal Injury Claims

General Personal Injury Claims: 5 Years

For most personal injury cases, such as those resulting from car accidents, slip-and-fall incidents, or general negligence, Missouri law gives you 5 years from the date of the injury to file a lawsuit. This 5-year period is outlined in Missouri Revised Statutes, Section 516.120. However, if a minor is injured, they have 5 years from the time they turn 18 before the clock starts ticking on their statute of limitations claim.



If you fail to file a claim within this timeframe, you generally lose the right to seek compensation for your injuries. This is why it’s critical to seek legal counsel as soon as possible after an injury to avoid missing the statute of limitations.

Medical Malpractice: 2 Years

In Missouri, the statute of limitations for medical malpractice claims is much shorter than for general personal injury claims. If you were injured due to a healthcare provider’s negligence, you have 2 years from the date of the injury (or from when you discovered the injury) to file your claim. This is outlined in Missouri Revised Statutes, Section 516.105.


It’s important to note that Missouri has a statute of repose for medical malpractice, which is a cap on how long you can wait before filing, even if you don’t discover the injury until later.


Under the statute of repose, you cannot file a medical malpractice claim more than 10 years after the date of the alleged negligent act or omission, regardless of when you discover the injury.

Product Liability Claims: 5 Years

If your injury was caused by a defective product, you generally have 5 years from the date of the injury to file a product liability lawsuit in Missouri. This is the same time limit as for general personal injury claims and is outlined in Missouri Revised Statutes, Section 516.120.


However, if you were injured by a defective product and the injury occurred due to a defect that wasn’t discovered immediately, the statute of limitations can be a bit more complicated. In some cases, the clock starts when the injury is discovered or should have been discovered, rather than when the injury occurred.

Wrongful Death Claims: 3 Years

If someone dies due to the negligence or wrongful act of another party, the statute of limitations for filing a wrongful death claim is 3 years from the date of death. This is outlined in Missouri Revised Statutes, Section 537.100.


Wrongful death claims are typically filed by the surviving family members or the estate of the deceased. While 3 years might seem like a relatively short time, it’s important to act quickly to ensure that the claim is filed within the time limits.

Claims Against Government Entities: 90 Days to 1 Year

If your personal injury claim involves a government entity—such as a city, county, or state government—there are unique time restrictions. In most cases, you must notify the government entity within 90 days of the injury to inform them of your intention to file a lawsuit. After the notification, the statute of limitations for filing the actual lawsuit is typically 1 year from the date of the injury.


Because of the additional notification requirement and shorter time limits, it’s essential to work with an attorney if you are considering a claim against a government entity to ensure compliance with these strict deadlines.

What Happens if You Miss the Statute of Limitations?

If you fail to file your personal injury claim before the statute of limitations expires, you will likely lose your right to sue the responsible party for compensation. While there are a few rare exceptions to this rule, they are difficult to prove and typically apply in specific circumstances. For example, if the injured party was a minor or if the defendant left the state for a period of time, there may be some leniency in applying the statute of limitations.



In general, though, it’s important to treat the statute of limitations as a hard deadline. Missing it can mean you will not be able to recover compensation for your medical bills, lost wages, pain and suffering, or other damages.

Why It’s Important to Act Quickly

Personal injury cases can take time to investigate, gather evidence, and consult with medical professionals or experts. Additionally, defendants often attempt to challenge claims, which means having a clear and solid case is crucial. Waiting too long can prevent you from gathering key evidence or discovering important details that could support your case.



As soon as you are injured, it’s essential to begin the process of documenting your injury, obtaining medical treatment, and consulting with a personal injury lawyer. An experienced attorney can help guide you through the process, ensuring that your case is filed on time and that all necessary steps are taken to protect your rights.

Conclusion

The statute of limitations is an essential part of pursuing a personal injury claim in Missouri. Understanding the applicable time limits for your specific case will help you avoid missing important deadlines and ensure that you have the opportunity to seek compensation for your injuries. Whether you’re dealing with a car accident, medical malpractice, product liability, or wrongful death, it’s crucial to seek legal advice as soon as possible to ensure you don’t run out of time to file your claim.


If you have any questions or need guidance on your specific case, consulting with an experienced Missouri personal injury attorney like Daniel Finder at Finder Law, LLC is the best way to ensure that your rights are protected.


Contact us today to schedule a time to speak with our attorney about your particular situation.

This blog is for informational purposes only and does not constitute legal advice. For specific guidance, please contact our office directly.

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