Hi Vicki,
The TukTuks are these three wheeled vehicles which are the cabs there. There is a little bench in the back which comfortably seats two, but I have been in one where it was four of us, and then the cabbies wife. Crazy! I would still definitely bring a flashlight, as there are no lights on the road between the public beach and the area around CV (and lots of puddles). As far as restaurants, there are a couple near the public beach, and the first one on the road in town is the Driftwood, which is decent, but a bit more pricey than most places, although still cheap by most standards. One of my favourite places in town is a little place called Babalu's, good food and funky atmosphere, Mermaids is also pretty good for something cheap, and they have a really yummy conch soup. I will be going back to Utila for my dive master training sometime next spring, but I wish I was going sooner, I miss it!
(By the way, if you click on the link to my flickr account in my signature, the first page is all pics from Utila.)