In Ohio, you required to carry insurance to operate a vehicle. Without carrying the proper amount of insurance, you are facing a driver's license and registration suspension. You are facing their reinstatement fees. You may be forced to carry sr22 insurance. You should report all accidents to the police. The police will let you know their involvement level - including determining fault. You will also want to talk to the other party's insurance company. They will be responsible for fixing damage to your vehicle. (They may be responsible for any bodily injuries that you suffered from this accident - that you have not fealt yet.) You can follow this link to learn more about the Ohio Department of Insurance.