If you own two cars, but only insure one of them, you cannot recover uninsured/underinsured motorist (UM) benefits if, when you were injured, you were occupying the car you chose not to insure.  To guard against this, most insurance companies have what is called an “Other Owned Vehicle” exclusion in their policies.  These exclusions are enforceable, and have been upheld by the Ohio Supreme Court.  See Lager v. Miller-Gonzalez, 120 Ohio St.3d 47, 2008-Ohio-4838.