In Ohio if an uninsured unlicensed driver is driving your car without permission and hits a car and you have insurance are you responsible?

I sense that this person driving your car without permission is a resident of your household. Without a police report of the theft of your vehicle then the person driving your car, especially if they are a resident of your household and reasonably knew where to find the keys, would have presumptive permission to use the car and your insurance will have to pay.