It depends. If you declined to add Collision coverage to your auto insurance coverage in Guelph, you would not be covered for hit and run damage, and you would need to pay for the repairs out-of-pocket. On the other hand, if you do have Collision coverage, you will be covered for hit and run damage, even if you are unable to identify the culprit. However, in order to collect an insurance payout for a hit and run incident, you will be responsible for paying the deductible.