I’ve been in a car accident. Do I need to go to a Collision Reporting Centre?
In Alberta and Ontario, you are required to go to a Collision Reporting Centre if you're involved in a car accident that has caused more than $2000 worth of damage.
The accident must be reported within 24 hours and in the city that the accident occurred.
I've been involved in a hit & run, what do I do?
First, call the police and report the hit and run. Then, just call 1.833.223.8743. Our claims service is available 24/7 every day of the year.
What does Roadside Assistance provide me?
Roadside Assistance is a comprehensive roadside and travel assistance service that brings peace of mind to you and every driver of your private passenger vehicle. It includes:
Towing within 50 kms of initial mechanical breakdown
Battery boosting
Gas delivery up to 10 litres
Tire change
Lockout assistance
Extraction of stuck automobile
You can view complete details on Roadside Assistance in the service contract included with your policy documents.
If you are interested in adding Roadside Assistance, please contact us to discuss and reference your policy number for quicker service*.
If you already have Roadside Assistance and are in need of assistance now, please call 1.855.572.6842
*Roadside assistance is an optional paid endorsement to your auto insurance with Scotia Home & Auto Insurance. Services are provided by an independent third-party provider.
How can I be sure I have the right insurance coverage?
Everybody is different, so everybody needs different coverage. It's best to work with an expert like a Service Specialist to be sure you have the right coverage. And, make sure you let your Specialist know if your circumstances change, so they can work with you to adjust your coverage.
Will my premium go up if I am involved in one not-at-fault accident?
That's a tough one to answer, because it really varies with each case. We recommend contacting us about your specific case.
Why should I use a preferred supplier or repair facility?
You can always use your own supplier, but if you use a supplier from our list of preferred suppliers and repair facilities, we'll guarantee vehicle repairs for as long as you have your vehicle and insure it with us.
How do I make a claim after a flood?
Just call 1.833.223.8743. Our claims service is available 24/7 every day of the year.
Third Party Liability Coverage protects you if someone else is seriously injured or dies, or if their property is damaged, caused during the use of your vehicle. It will pay for claims as a result of lawsuits against you up to the limit of your coverage, and will pay the costs associated with settling the claims.
Many claim settlements are in the millions of dollars. Should there be a court settlement against you higher than the liability limit on your policy, the court judgement would then be applied against you and your assets.
Please contact us if you would like to discuss increasing your Third Party Liability Coverage.
Auto Insurance