I spoke to Liberty Mutual agent and wanted to get auto insurance cover for whole family including teen child. The agent gave a good rate and told me child was included. When I checked LB web site on my policy and insurance card the child was missing. Next I emailed agent who replied that child is certainly included even though the name is not in policy and insurance card. I again called the 800 number and spoke to sales. They stated the rate was without child and wanted $600 more. I shudder to imagine what would have happened if my teen met with an accident without insurance.