Ohio is an "at-fault" state. This means that the insurance company of the driver who caused the wreck pays. If you caused an Ohio traffic accident while driving someone else's car, both your own insurance policy and the insurance policy of the owner may be responsible for paying damages. Your injuries and your responsibility for injuries to others will be covered by the medical payments portion of your own insurance policy as long as you had permission to use the vehicle. However, your own insurance does not cover damage to the vehicle. The damage to the vehicle you were driving may not be covered unless the owner purchased collision coverage.
If someone else caused the accident, the at-fault driver's insurance company should pay for your injuries.