Auto Insurance

Providing Insurance for Cars, Trucks, SUV's, Trailers, Motorcycles - if it has wheels we can cover it!

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.

What Does Auto Insurance Include?

What is Mandatory:

Liability: 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.  

Uninsured/Underinsured Auto: 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.  

Direct Compensation- Property Damage (DCPD):  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:  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 is Optional?

Collision Coverage: 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. 

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

All Perils Coverage: 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 905-623-4406.      

Contact Us

26 King St East Bowmanville ON, L1C 1N2


T: 905-623-4406

T: 1-800-836-7236

F: 905-623-5570

Our Hours

Monday: 9 am - 5 pm

Tuesday: 9 am - 5 pm

Wednesday: 9 am - 5 pm

Thursday: 9 am - 5 pm

Friday: 9 am - 4 pm

Saturday: Closed

Sunday: Closed

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About Us

James Insurance is a local insurance broker serving Bowmanville and the surrounding areas since 1893.  


Your Best Insurance is an Insurance Broker

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