In Ohio, it is illegal to drive a car without insurance or any form of Financial Responsibility (FR) on the vehicle that is accepted by the state. It is also illegal for any motor vehicle owner to allow anyone else to drive the owner's car with FR proof.

If you are caught driving without financial responsibility (insurance), the penalties can include: suspension of driver's license for a minimum of 90 days and up to 2 years, impoundment of your license plates and/or automobile plus fines and court costs.

If you are involved in a crash without insurance, or other FR coverage, additional penalties may apply. You may have a security suspension of your license for 2 years or more and a judgment suspension for an indefinite period, until damages are paid.

You will likely also be required to maintain special FR coverage on file with the Ohio Bureau of Motor Vehicles (BMV) for a period of 3 to 5 years. This is typically taken care of through a SR-22 certificate.

If it was your parent's uninsured car that you were driving, they could have penalties as well. Also since you are a minor they might be held responsible for your actions and thus be liable for the damages you caused in the accident, if you do not do pay them in full. For more information on if they will be held accountable in this situation, they should consult a lawyer.