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MCL Tear. An MCL tear is where the medial collateral ligament on the inner side of the knee gets overstretched and damaged. It is most commonly caused by a sudden twisting force through the knee, which damages some or all the fibres of the ligament.It can lead to swelling, pain and instability.n MCL tear is where the medial collateral ligament on the inner side of the knee gets overstretched and damaged. It is most commonly caused by a sudden twisting force through the knee, which damages some or all the fibres of the ligament. It can lead to swelling, pain and instability.
1 The medial collateral ligament (MCL) is one of the ligaments on the outside of the knee joint. 2  It runs between the femur and the tibia on the inner side of the knee. 3  It helps to protect and stabilise the knee joint against any blows or forces that may be directed on to the outer side of the knee.hey may be stretched (sprained), or sometimes torn (ruptured). A ligament rupture can be partial (just some of the fibres that make up the ligament are torn) or complete (the ligament is torn through completely). The majority of knee ligament injuries are sprains and not tears and they tend to settle down quickly.