Our thoughts are with those impacted by the wildfires. Please stay safe. You can submit a claim anytime through the Scotia Insurance Home & Auto app or online via the Client Centre.
This covers the cost of damage to your vehicle in a collision or overturning which you're responsible for. It covers single or multiple vehicle collisions. It also covers you if the responsible party is unknown/unidentified. It doesn't cover mechanical breakdown, wear and tear, etc.
This coverage is optional in most provinces, but if you finance or lease a vehicle, the financial institution may require you have it.