Question for Car Insurance Sales People?

Question for Car Insurance Sales People?

I have legal guardianship of a niece, she just turned 17 and got her drivers license as to not lapse after drivers ed. My insurance company says she HAS to be covered . SHE WILL NOT BE DRIVING ANY OF OUR CARS AND DOES NOT HAVE ONE OF HER OWN. Ins. co. says this is standard practice. Why does she have to be covered if she does not have a car? They say because she has a D. L. and has “Access” to a car she needs to be covered. I have a penis but does not mean I will rape someone? Why do I have to pay for her when she will not be driving?