As we all know Toronto has some of the nastiest pot holes. Well here is some good news, the city of Toronto will cover you for any damage a pot hole does to your vehicle and fix said pot hole within 4 business days.
Here is what you need to do:
1. Have a picture/video of the pot hole and your vehicle damage, where the "accident occurred".
2. Get an estimate at a garage on how much it will cost to fix the damage and get a copy of this.
3. Get a hold of the city and send them the photo/video evidence, as well as the copy of the estimate to repair. Location of the pot hole, obviously.
4. You get a pot hole fixed and your car, win win.
I don't know if other city's do this but it wouldn't hurt to ask.