It could be that you are a witness to some event that they represent someone else for, they could represent a creditor of yours, or many, many, many other reasons.
Four years from an accident involving a personal injury under Utah Code Section 78B-2-307; or. Three years from an accident involving property damage under Utah Code Section 78B-2-305.
The sooner they file a claim, the better. However, failure to report the accident can result in a misdemeanor or felony charge. Fleeing the scene of the incident could also get the police involved. Even minor injuries are serious issues, let alone vehicle damage and death.
The Financial Responsibility Act is designed to protect the public from losses due to motor vehicle crashes. This law requires that you have your vehicle or yourself, as a driver, insured. Failure to obey this law could result in the loss of your driver license, motor vehicle registration, and license plates.