Missouri Personal Injury Claims: Deadlines, Fault & What to Do

If you were injured in Missouri, two rules shape your claim more than any others: how long you have to file, and how shared fault is handled. Here is the general picture — and where Missouri differs from other states.

How long you have to file

Missouri generally allows 5 years from the date of injury to file most personal injury lawsuits. That is the general rule — different claim types (medical malpractice, wrongful death, property damage) often carry their own periods, exceptions can pause or shorten the clock, and deadlines change when a government entity is involved.

Claims against a city, county, or the state itself usually require a formal notice filed on a far shorter timeline — often a matter of months. If any government body might be involved in your injury, treat your timeline as urgent.

What if the accident was partly your fault?

Missouri follows pure comparative negligence. You can generally recover damages even if you were mostly at fault, with your recovery reduced by your percentage of blame.

Practically, this means the percentage of fault assigned to you is negotiated, not fixed — and the insurance company’s opening position is a bargaining stance, not a ruling. Do not conclude you have no case before anyone has examined the evidence.

Worth knowing about Missouri

Missouri's five-year general window is one of the longest, but medical malpractice and government claims are much shorter.

What to do now

• Get medical care and follow through with treatment — gaps in care are the most common way claims lose value
• Preserve evidence: photos, reports, witness contacts, and anything showing how the injury happened
• Be careful with recorded statements to the other side’s insurer
• Confirm your actual deadline with an attorney licensed in Missouri rather than relying on general rules