In Ohio, a person who causes an accident has legal responsibility for the injuries and damages they cause regardless of whether they have insurance. Ohio law requires all automobile drivers to have $25,000 per person and $50,000 per occurrence in liability coverage, but unfortunately there are no comprehensive enforcement mechanisms for that law. However, even if the other driver has no insurance and is uncollectible, there may be a way to make a recovery for your injuries and damages if there is uninsured motorist coverage available to you. This determination depends on the language of the insurance policy and it is important to immediately secure the policy and provide it to an experienced attorney. On some occasions you may have uninsured motorist coverage even though you are not in an automobile or in the car insured under the policy.