Instructions for using this Desk Reference: Expand the bookmarks and click on the desired section or. Click on any heading in the Table of Contents.Under the FTCA, the federal government acts as a self-insurer, and recognizes liability for the negligent or wrongful acts or omissions of its employees. Utah courts have held that insurance policies are generally interpreted according to rules of contract interpretation. There is another part of "Tort" cases called "Intentional Torts. What Are the Different Categories of Torts? Torts are divided into three general categories: intentional, negligent, and strict liability. Intentional. Mass torts are also known as class action lawsuits. Utah has a "comparative negligence" law, which means that more than one person can be at fault in an accident. The three types of torts are intentional, negligent, and strict liability.