Auto Insurance

Why Choose Us?

Over 100 years of experience providing expert insurance advice to residents of Bowmanville and the surrounding areas; let us help you find the right car insurance for your needs.  Whether you are just starting out, or have years of experience we will help you choose the right coverage for your vehicles and patiently explain your options so you are always comfortable with your choices.

If you’re one of the many Canadians who live in Ontario, then you know that auto insurance is a must. Well, if you’ve been struggling to find affordable coverage for your vehicle, then it’s time to do something about it! At James Insurance Broker, you’ll be able to find the right coverage in no time. We help you find the best rates for all of your needs, whether it’s just  liability, or full coverage.   If you want a basic overview of the common coverages on an auto policy keep reading below.  Or if you prefer give us a call at 905-623-4406 and one of our brokers would be happy to go over the coverage options with you.

What Does Auto Insurance Include?

Pays for injury, death and damages you may be responsible for as the result of a car accident.  It also pays for defense costs associated with the accident.  

What happens if someone without insurance hits my car?  This coverage extends your policy to make sure you are insured against accidents even if the other driver does not have insurance.  

Pays for your car to be fixed when you are not at fault in a car accident.  Will also pay for your rental vehicle while your vehicle is being repaired.

Accident Benefits are also known as no fault insurance.  It is important to look at the limits and conditions, which are set by the government.  Generally it pays for a portion of your income if you are unable to work, for medical expenses not covered by OHIP, Funeral Expenses, Housekeeping Expenses and provides for help around the house if you are unable to do your daily chores.  This is one of the most important parts of your policy, which means it is extremely important you understand what is covered, and if you have enough coverage.  Our brokers are more than happy to explain your options.

What Optional Coverage is there?

If you are at fault in an accident, then you need collision coverage in order to fix your own car.   This also pays for hit and run claims as well as single car accidents. 

Covers your vehicle for fire, theft, lightning, windstorm, hail, earthquake, explosion, riots, falling objects, vandalism and more. 

Combines Collision and Comprehensive Coverage together.

Let one of our experienced brokers guide you through auto insurance and give you the peace of mind to drive with confidence.  We balance the needs of every individual and understand everyone has different priorities.  Call today to let us help you at 905-623-4406.     


For additional resources on how auto insurance is regulated in Ontario please follow the links below: