Official statutory periods for personal injury, written contracts, oral agreements, and fraud across all 50 states and Washington D.C. Calibrated with 2026 state legislative updates (including Florida HB 837 tort reform).
| State / Jurisdiction | Personal Injury (Tort) | Written Contract | Oral Contract | Fraud | Governing State Statute | Statutory Notes |
|---|---|---|---|---|---|---|
| Alabama (AL) | 2 Years | 6 Years | 6 Years | 2 Years | Ala. Code § 6-2-38 | Discovery rule applies to fraud. |
| Alaska (AK) | 2 Years | 3 Years | 3 Years | 2 Years | Alaska Stat. § 09.10.070 | 2-year tort reform baseline. |
| Arizona (AZ) | 2 Years | 6 Years | 3 Years | 3 Years | Ariz. Rev. Stat. § 12-542 | Accrual upon discovery of injury. |
| Arkansas (AR) | 3 Years | 5 Years | 3 Years | 3 Years | Ark. Code § 16-56-105 | 5 years on notes and written agreements. |
| California (CA) | 2 Years | 4 Years | 2 Years | 3 Years | Cal. Civ. Proc. Code §§ 335.1, 337, 338 | 2 court days added for electronic service under CCP 1013(g). |
| Colorado (CO) | 2 Years | 3 Years | 3 Years | 3 Years | Colo. Rev. Stat. § 13-80-102 | Motor vehicle bodily injury extended to 3 years. |
| Connecticut (CT) | 2 Years | 6 Years | 3 Years | 3 Years | Conn. Gen. Stat. § 52-584 | Strict 3-year statute of repose. |
| Delaware (DE) | 2 Years | 3 Years | 3 Years | 3 Years | 10 Del. C. § 8119 | UCC commercial contracts follow 4-year rule. |
| Florida (FL) | 2 Years | 5 Years | 4 Years | 4 Years | Fla. Stat. § 95.11(4)(a) | Tort reform HB 837 reduced negligence from 4 years to 2 years. |
| Georgia (GA) | 2 Years | 6 Years | 4 Years | 4 Years | O.C.G.A. § 9-3-33 | Loss of consortium has 4-year limit. |
| Hawaii (HI) | 2 Years | 6 Years | 6 Years | 6 Years | Haw. Rev. Stat. § 657-7 | General personal actions have 6-year period. |
| Idaho (ID) | 2 Years | 5 Years | 4 Years | 3 Years | Idaho Code § 5-219 | Strict discovery rule limitations. |
| Illinois (IL) | 2 Years | 10 Years | 5 Years | 5 Years | 735 ILCS 5/13-202, 5/13-206 | 10 years for written contracts remains nation-leading. |
| Indiana (IN) | 2 Years | 6 Years | 6 Years | 6 Years | Ind. Code § 34-11-2-4 | Written contracts executed prior to 2002 had 10-year period. |
| Iowa (IA) | 2 Years | 10 Years | 5 Years | 5 Years | Iowa Code § 614.1 | 10 years on written contracts, 5 on unwritten. |
| Kansas (KS) | 2 Years | 5 Years | 3 Years | 2 Years | Kan. Stat. § 60-513 | Tort discovery rule with 10-year repose. |
| Kentucky (KY) | 1 Year | 10 Years | 5 Years | 5 Years | Ky. Rev. Stat. § 413.140 | Strict 1-year personal injury statute of limitations. |
| Louisiana (LA) | 2 Years | 10 Years | 10 Years | 1 Years | La. Civ. Code art. 3492 | Delictual actions prescription period; 2024 reform. |
| Maine (ME) | 6 Years | 6 Years | 6 Years | 6 Years | 14 M.R.S. § 752 | Generous 6-year omnibus limitations period. |
| Maryland (MD) | 3 Years | 3 Years | 3 Years | 3 Years | Md. Code Cts. & Jud. Proc. § 5-101 | Uniform 3-year baseline civil limitation. |
| Massachusetts (MA) | 3 Years | 6 Years | 6 Years | 3 Years | Mass. Gen. Laws ch. 260 § 2A | Consumer protection ch. 93A has 4-year limitation. |
| Michigan (MI) | 3 Years | 6 Years | 6 Years | 6 Years | Mich. Comp. Laws § 600.5805 | Product liability follows 3-year period. |
| Minnesota (MN) | 2 Years | 6 Years | 6 Years | 6 Years | Minn. Stat. § 541.07 | Strict liability torts follow 6-year period. |
| Mississippi (MS) | 3 Years | 3 Years | 3 Years | 3 Years | Miss. Code § 15-1-49 | Catch-all 3-year limitation statute. |
| Missouri (MO) | 5 Years | 10 Years | 5 Years | 10 Years | Mo. Rev. Stat. § 516.120 | 5-year tort limitation is higher than median. |
| Montana (MT) | 3 Years | 8 Years | 5 Years | 2 Years | Mont. Code § 27-2-204 | 8 years on written contracts. |
| Nebraska (NE) | 4 Years | 5 Years | 4 Years | 4 Years | Neb. Rev. Stat. § 25-207 | 4 years on tort and general negligence. |
| Nevada (NV) | 2 Years | 6 Years | 4 Years | 3 Years | Nev. Rev. Stat. § 11.190 | Medical malpractice 1 year from discovery or 3 from injury. |
| New Hampshire (NH) | 3 Years | 3 Years | 3 Years | 3 Years | N.H. Rev. Stat. § 508:4 | Omnibus 3-year period for personal actions. |
| New Jersey (NJ) | 2 Years | 6 Years | 6 Years | 6 Years | N.J. Stat. § 2A:14-2 | Discovery rule widely applied in toxic and medical torts. |
| New Mexico (NM) | 3 Years | 6 Years | 4 Years | 4 Years | N.M. Stat. § 37-1-8 | 3 years for injury to person. |
| New York (NY) | 3 Years | 6 Years | 6 Years | 6 Years | NY CPLR §§ 213, 214 | Fraud allows greater of 6 years from commission or 2 years from discovery. |
| North Carolina (NC) | 3 Years | 3 Years | 3 Years | 3 Years | N.C. Gen. Stat. § 1-52 | Contract under seal extended to 10 years. |
| North Dakota (ND) | 6 Years | 6 Years | 6 Years | 6 Years | N.D. Cent. Code § 28-01-16 | 6-year tort period with 2-year wrongful death exception. |
| Ohio (OH) | 2 Years | 6 Years | 4 Years | 4 Years | Ohio Rev. Code § 2305.10 | Written contracts reduced from 8 to 6 years in 2021. |
| Oklahoma (OK) | 2 Years | 5 Years | 3 Years | 2 Years | 12 Okla. Stat. § 95 | Tort discovery rule applies. |
| Oregon (OR) | 2 Years | 6 Years | 6 Years | 2 Years | Or. Rev. Stat. § 12.110 | Product liability has 2-year discovery / 10-year repose. |
| Pennsylvania (PA) | 2 Years | 4 Years | 4 Years | 2 Years | 42 Pa. C.S. § 5524, 5525 | 4 years on all contract claims under Judicial Code. |
| Rhode Island (RI) | 3 Years | 10 Years | 10 Years | 10 Years | R.I. Gen. Laws § 9-1-14 | 10-year default for civil contract actions. |
| South Carolina (SC) | 3 Years | 3 Years | 3 Years | 3 Years | S.C. Code § 15-3-530 | General 3-year statute for civil actions. |
| South Dakota (SD) | 3 Years | 6 Years | 6 Years | 6 Years | S.D. Codified Laws § 15-2-14 | 6-year contract period. |
| Tennessee (TN) | 1 Year | 6 Years | 6 Years | 3 Years | Tenn. Code § 28-3-104 | Strict 1-year personal injury limitation. |
| Texas (TX) | 2 Years | 4 Years | 4 Years | 4 Years | Tex. Civ. Prac. & Rem. Code §§ 16.003, 16.004 | Saturday/Sunday terminal rollover under TRCP Rule 4. |
| Utah (UT) | 4 Years | 6 Years | 4 Years | 3 Years | Utah Code § 78B-2-307 | 4-year general tort period. |
| Vermont (VT) | 3 Years | 6 Years | 6 Years | 6 Years | 12 V.S.A. § 512 | 3 years for bodily injury, 6 for property/contract. |
| Virginia (VA) | 2 Years | 5 Years | 3 Years | 2 Years | Va. Code § 8.01-243, 246 | UCC contracts follow 4-year rule. |
| Washington (WA) | 3 Years | 6 Years | 3 Years | 3 Years | Wash. Rev. Code § 4.16.080 | 3 years for injury to person or rights of another. |
| West Virginia (WV) | 2 Years | 10 Years | 5 Years | 2 Years | W. Va. Code § 55-2-12 | 10 years on signed written contracts. |
| Wisconsin (WI) | 3 Years | 6 Years | 6 Years | 6 Years | Wis. Stat. § 893.54 | 3-year personal injury with discovery rule. |
| Wyoming (WY) | 4 Years | 10 Years | 8 Years | 4 Years | Wyo. Stat. § 1-3-105 | Generous 10-year period for written contracts. |
| District of Columbia (DC) | 3 Years | 3 Years | 3 Years | 3 Years | D.C. Code § 12-301 | Uniform 3-year baseline limitation. |
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