I would state this as "UV filters are GENERALLY not needed because digital sensors are not as susceptible to UV radiation as film was".
Many folks in photography forums will offer the opinion that digital sensors are not sensitive to UV radiation. That is simply not correct. The silicon photosensors which make up the sensor are sensitive to radiation from 190 nm to 1100 nm, which includes UV, visible light and IR radiation. While the BARE sensor is sensitive to UV, that sensitivity is diminished by three factors: UV is absorbed by glass, so most of of the UV is absorbed passing through the lens on the way to the sensor; the filter array atop the sensor provides significant UV and IR filtration; and the sensor itself is least sensitive to blue light, which is at the end of the visible spectrum where UV occurs.
However the devil is in the details. The UV spectrum "ends" at 400 nm and the visible light spectrum "begins" at 400 nm, but in terms of photo response it is not a sharp cutoff, and as stated, the camera sensor is least sensitive to visible light at this end of the spectrum. Further, the UV filter does not have a sharp cutoff either. To minimize cutting off any of the blue light at the beginning of the visible spectrum, the filter array has to be designed to pass some UV at the very lower edge of the visible spectrum. Thus the filter array does pass a small amount of UV radiation.
The last time I researched this topic I found a scientific paper which discussed this issue to great detail, which unfortunately I did not bookmark and have been unable to find since. The bottom line was that all digital camera sensors are susceptible to UV to some degree and even ranked the relative susceptibility of CCD, Bayer and Foveon sensors. However, in most cases, the susceptibility to UV is so slight as to be insignificant for most purposes. But if you need to be convinced, get a Wratten 18A filter and take some pictures through it. A Wratten 18A filter blocks visible light but transmits UV. Since all the visible light will be blocked, you will need to increase exposure, but you can take a UV photograph with a standard digital camera. And yes a Wratten 18A will transmit a small amount of IR radiation, but the intensity is 4-5 stops less than for UV so for all intents you have a UV photo. So while the sensor itself is sensitive to UV, the lens and filter array will remove MOST but not all of the UV before it reaches the sensor. The UV absorbing filter does not have a sharp enough cut-off to absorb all of the near UV without also absorbing some of the far blue visible light, so some amount of UV is passed through to the sensor to preclude cut-off of the visible blue light.
There are a couple of situations where a UV filter can be beneficial. One is at high altitudes where the ambient UV radiation is much higher than at lower elevations, or on bright hazy days when the UV is scattered by atmospheric particulate which causes reduced contrast and detail and also affects the color of foliage. Most camera manufacturers do not mention this but the Nikon Knowledge Database article "Using Nikon filters with Nikon DSLRs" does include the following statement: "While invisible to the naked eye, ultraviolet light can reduce contrast and detail".
Do UV filters affect exposure? No. Even the worst UV filters have a light transmissivity in the range of 96%, the better filters are upwards of >97.5%. Considering that a full F-stop is a 50% change in the amount of light, a UV filter has no meaningful impact on exposure.
Do UV filters degrade image quality? Some filters (not necessarily the cheapest either) yes, definately. Better filters may depending on the scene. The better multi-coated filters generally have no significant impact on IQ. The exception is when photographing into the sun they may increase sun flare. See the first link below for a very thorough, if lengthy, study which tested and rates many of the more common UV filters.
Will a UV filter protect my lens? In certain circumstances both a filter and a hood can offer some degree of protection for your lens. I have in my possession two damaged filters (not of my doing; one was damaged on a lens in transit and one bought on the lens from the previous owner). The glass of both filters was shattered; filter glass is fairly tough stuff so I have to believe that that the force absorbed by the filter was enough to have potentially caused some damage to the lens if the filter was not there.
Neither a hood nor a filter will provide absolute protection, especially on a cheaper lens which is likely to be less sturdy and less able to withstand impact damage. However a hood will provide some protection particularly if you bump something. A filter will provide some protection from blowing sand or water, a small rock blown by the wind or thrown up by a passing vehicle, or a sharp twig you didn't see while maneuvering for a shot. Even if the object didn't have enough force to damage the lens glass it still could mar the coating on the front element. A filter will also protect against overzealous or careless lens cleaning, such as missing a spec of grit on your lens when wiping smudges off. Replacing a filter is a lot cheaper than replacing a front element.
Should I use a UV or clear protective filter? Your call. There are some good reasons why you should and some reasons why you shouldn't. I have a hood and UV filter on my lenses all the time. If I am in a situation where I feel the filter will be a detriment it only takes a few seconds to remove it. Do whatever you feel is right for you. Following are few links to help you decide.
http://www.lenstip.com/113.1-article-UV_filters_test_Introduction.htmlhttp://photo.stackexchange.com/questions/2262/are-digital-sensors-sensitive-to-uvhttp://www.alt-vision.com/documentation/5301A-25.pdf