<prompt> Human: My son just received his drivers license, so I called my auto insurance company to get a quote on what it would cost to add him to my policy. The agent said that since he was a licensed driver under 19 living in my home, she was required to add him to the insurance policy, and immediately added him. What? I didnt call to add him, I called to inquire about adding him. I objected, saying that I called to research my insurance options, that I wanted to look into adding him to my husbands policy as well, and wanted to make an educated decision as to which company we should insure him with. She said it didnt matter, he had to be on my policy unless and until I show them that he is insured through another company. That was the point, though. I was shopping, not electing for coverage.I am baffled. I can accept needing to show them that he is insured in the next 30 days or he would be added to the policy, but the immediacy of the situation is whats really throwing me off. What gives?How would you handle this situation from here? Is it true that she was required to immediately add him to my policy? Is this a universal practice for auto insurance? What should my next step be?tl;dr: Called insurance company for a quote, agent added my child to my policy without my consent. Is this a legitimate business practice?  <response>: Read the insurance companys policies and your contract. Most insurers require all licensed drivers in the house be covered by your policy, or have proof that they are covered by another policy. Failure to have a licensed driver on your insurance could be a breach of contract, giving the insurer cause to deny otherwise valid claims.You are free to cancel your policy for a pro-rated refund, most likely, but any new company will likely have the same policy. 