Legal Question in Personal Injury in Ohio

In Ohio you are required to maintain a policy that meets the State minimum. Unfortunately since you did not have insurance you are potentially subject to having your license suspended. You should immediately secure insurance as it will be necessary to get your license back in the event your license is suspended by the Bureau of Motor Vehicles. You should honestly indicate in the letter that you did not have insurance. Depending on the extent of the damage that you caused, assuming you were at fault, the insurance company may pay for the other person's damages and then they will become subrogated to their claim and may pursue you to recover what they paid.If the extent of the damages to the car and the potential injury if the person was hurt are significant you should consult with an attorney to protect your interests. You may be required to pay for the amount the other person's insurance paid. If you are employed or own assets you could wind up with a judgment against you and a potential garnishment. Just to play safe you should talk to an attorney about this matter.