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Lesson 19 of 22 · Section 12: Crashes and Insurance

Crashes and Insurance

If you are in a crash you must stop, call 911 when the law requires it and exchange information. Leaving the scene and knowingly driving without insurance both carry criminal penalties.

Topic
Emergencies
Key points
9
Numbers
4
Manual
Handbook pp. 65 to 69
What you must know

Key points

  1. If you are in a crash, stop immediately; not remaining at the scene can bring severe penalties.

    Source: Handbook p. 65
    “stop immediately. You may be penalized severely for not remaining at the scene of a crash in which you are involved.”
    Utah Driver Handbook, Handbook p. 65
  2. Failing to remain at a crash can bring up to 1 year in jail and a fine up to $2500.

    Source: Handbook p. 65
    “In addition, you may receive a jail sentence of up to one year, a fine of up to $2500, or both.”
    Utah Driver Handbook, Handbook p. 65
  3. Failing to stop at an injury crash is a third degree felony.

    Source: Handbook p. 65
    “It is a third-degree felony for a person to fail to stop at the scene of an injury crash.”
    Utah Driver Handbook, Handbook p. 65
  4. Call 911 immediately for a crash with injuries, death, or at least $2500 in property damage.

    Source: Handbook p. 65
    “If the crash results in injuries, death, or at least $2500 in total property damage, you must notify law enforcement (911) immediately.”
    Utah Driver Handbook, Handbook p. 65
  5. In a damage only crash, you may move the vehicle out of travel lanes.

    Source: Handbook p. 65
    “may move the vehicle as soon as possible out of the travel lanes on any roadway to an adjacent shoulder”
    Utah Driver Handbook, Handbook p. 65
  6. Exchange your name, address, vehicle registration number and insurance information.

    Source: Handbook p. 65
    “Your name and address. • Vehicle registration number. • Your insurance information, including the agent or provider’s name and phone number.”
    Utah Driver Handbook, Handbook p. 65
  7. Knowingly driving without owner's security (insurance) is a class B misdemeanor.

    Source: Handbook p. 68
    “Anyone who knowingly operates a motor vehicle or permits one to be operated without owner’s security is guilty of a class B misdemeanor”
    Utah Driver Handbook, Handbook p. 68
  8. You may show proof of insurance to an officer on a mobile device.

    Source: Handbook p. 69
    “You can provide proof of insurance to a peace officer electronically using a mobile electronic device.”
    Utah Driver Handbook, Handbook p. 69
  9. Future proof of financial responsibility must be kept for 3 years after the suspension or revocation.

    Source: Handbook p. 68
    “This proof must be maintained for three years following the date of the suspension or revocation”
    Utah Driver Handbook, Handbook p. 68
Exact figures

Numbers to know

NumberWhat it meansManual
1 year / $2500maximum jail and fine for leaving a crash sceneHandbook p. 65
$2500property damage that requires calling policeHandbook p. 65
911number to call for a reportable crashHandbook p. 65
3 yearshow long future proof of financial responsibility must be kept after a suspension or revocationHandbook p. 68
Check yourself

3 questions from the Utah practice test

  1. 1. What penalties does Utah list for not remaining at the scene of a crash you are involved in?

    1. A $50 fine
    2. Only points on your record
    3. A written warning
    4. Suspension or revocation for up to one year, up to one year in jail, a fine up to $2,500, or both
    Show answer

    Suspension or revocation for up to one year, up to one year in jail, a fine up to $2,500, or both. The handbook says you may be penalized severely for leaving the scene: the license may be suspended or revoked for up to one year, and you may receive up to one year in jail, a fine of up to $2,500, or both. A $50 fine, points only, or a warning all understate it. Failing to stop at an injury crash is a third-degree felony, and drivers must give reasonable help to anyone injured.

  2. 2. How does Utah classify failing to stop at the scene of a crash in which someone was injured?

    1. An infraction
    2. A third-degree felony
    3. A Class C misdemeanor
    4. It is not a crime if you call later
    Show answer

    A third-degree felony. The handbook notes that it is a third-degree felony to fail to stop at the scene of an injury crash. That is far more serious than an infraction or a Class C misdemeanor, the level used for a texting violation. Calling later does not cure leaving. Drivers must stop immediately, give reasonable help to the injured, and exchange name, address, registration and insurance information.

  3. 3. After a Utah crash with no injuries, at what level of total property damage must you notify law enforcement immediately?

    1. Any damage at all
    2. $500
    3. $1,000
    4. $2,500
    Show answer

    $2,500. You must call law enforcement (911) immediately when a crash causes injury, death, or at least $2,500 in total property damage, whether or not another driver was involved. Smaller amounts do not trigger the immediate report requirement, so $500 and $1,000 are wrong, and any damage at all is too broad. For a property damage only crash, the handbook allows moving the vehicle out of the travel lanes to a safe nearby spot.

Next step

Practice this topic

Lock it in with emergencies questions from the free Utah practice test. Every answer comes with a plain English explanation.

Source: the Utah Driver Handbook, Section 12: Crashes and Insurance. This lesson is a plain English summary, not the law itself; where it differs, the manual and the statute govern. Last checked 2026-09-27.