If you have an uninsured motorist policy, you can file a claim against your policy to cover any additional expenses resulting from the accident. Non-medical expenses: Like all states, Utah requires drivers to have third-party liability insurance.Utah law requires motorists to carry bodily injury and property damage liability insurance to help pay for damages they cause in an auto accident. Property damage liability provides coverage for damage to another person's car or property. Utah law requires drivers to carry Uninsured Motorist Coverage (UM). Requesting accident reports online in Utah is convenient and fast. You don't have to travel or wait in line; you can simply complete and submit a form. Bodily injury liability and property damage liability must be offered and can't be rejected. Drivers must exchange contact and insurance information. However, some injuries may not be immediately apparent and must be reported within 10 days.