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Missouri Personal Injury Laws

Missouri is one of only about 8 states that follows pure comparative negligence — a plaintiff who is 99% at fault can still recover 1% of their damages. The general statute of limitations for personal injury is 5 years, one of the longest in the nation. There are no caps on compensatory damages in general personal injury cases. Missouri is a fault-based auto insurance state with 25/50/10 minimums.

Last verified: 2026-02-25

Statute of Limitations

Personal injury actions must be filed within 5 years of the date of injury — one of the longest personal injury statutes of limitations in the country.

Exceptions

Wrongful Death3 years from date of deathRSMo § 537.100

Wrongful death actions must be filed within 3 years of the date of death.

MinorsTolled until age 18 (then 5 years)RSMo § 516.170

The statute is tolled for minors until they reach age 18. A minor injured at birth has until age 23 to file.

Government Claims5 years (with 90-day notice for municipalities)RSMo §§ 537.600, 82.210

The 5-year SOL applies, but claims against municipalities require 90-day written notice. Government liability is capped at $300,000 per person / $2,000,000 per occurrence. No punitive damages against government entities.

Fault & Liability Rules

Pure Comparative NegligenceRSMo § 537.765

Missouri follows pure comparative negligence — a plaintiff's fault reduces their recovery proportionally but never bars it entirely. A plaintiff who is 99% at fault can still recover 1% of damages. A defendant found 51% or more at fault is jointly and severally liable for the full judgment; defendants under 51% are only severally liable (proportionate share).

Damage Caps

Compensatory Damages: No cap

Missouri does not cap compensatory damages (economic or non-economic) in general personal injury cases.

Punitive Damages: Greater of $500,000 or 5x compensatoryRSMo § 510.265

Punitive damages are capped at the greater of $500,000 or 5 times compensatory damages. Must prove by clear and convincing evidence that defendant acted with intentional harm or flagrant disregard for safety. Cap does not apply if defendant was convicted of a related felony.

Auto Insurance System

Fault (Tort)RSMo § 303.190

Missouri is a fault-based state. Minimum liability limits are 25/50/10 ($25,000 per person, $50,000 per accident for bodily injury, $10,000 for property damage). Uninsured motorist coverage is required on all policies.

Key Missouri Statutes

Joint and Several Liability (Threshold)RSMo § 537.067

A defendant 51% or more at fault is jointly and severally liable for the full judgment. A defendant less than 51% at fault is only severally liable (pays only their proportionate share). Punitive damages are always severally liable only.

Sovereign Immunity WaiverRSMo § 537.600

Missouri waives sovereign immunity only for: (1) injuries from negligent operation of motor vehicles by public employees, and (2) injuries caused by dangerous conditions of public property. Liability is capped at $300,000 per person / $2,000,000 per occurrence.

Official Sources

Not Legal Advice

This information is for general reference only and does not constitute legal advice. Laws change — verify current statutes at Missouri Revised Statutes. For advice about your specific situation, consult a licensed attorney.

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