These are complicated issues,. You should contact the attorney who won you the judgment and discuss them with him. Best of luck to you.
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It may be possible to collect from the insurance company, but as other counsel indicated, these are complicated issues. Did you have an attorney for the suit? Has he explained to you why he hasn't been able to collect from the insurance company? I'd be willing to take a look at this for you, but I'd first like to know why prior counsel was unsuccessful.
This is a complicated question that would require a thorough examination of the insurance policy at issue. Typically a policy will only cover listed drivers. It's very possible that the relative was not listed on the policy and therefore an exclusion would prevent coverage of your damages. In such a situation, the only way to recover against the owner's policy would be under a negligent entrustment theory. For instance, if the relative had a suspended license it would be negligent for the owner to let her borrow the car. I would find an experienced Cincinnati area injury lawyer to examine these issues.
Your judgment is against the dirver, not the insurance company, so you cannot sue the insurance company. Generally the operator of someone elses motor vehicle will be insured by the owners policy unless there is an exclusion that precludes coverage, such as operating hte vehicle without permission.
You may contact the insurance company directly and see if they will pay the judgment. If not your recourse will be to garnish or foreclose on the operator.
The operator may have a claim against the insurer if they do not pay and with experienced counsel you might be able to get an assignment of his claim against the insurer and sue them. It all depends on a multitude of facts which are not disclosed in your question.
You might be able to get the insurance company to pay but we need more information. You can get the other driver's license suspended for failing to have the appropriate financial responsibility. This can sometimes get the other side to find money they could not get beforehand. Contact the Ohio Bureau of Motor Vehicles for more information.
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