new nursing student working in ped's office

i am a new nursing student working in a ped's office and i have a question hopefully someone can answer for routine pediatric/adolescent physicals is it nescessary for the child to undress to their underpants because at the office where i learning we have the child undress to their underpants and for girls have them put on a paper gown to keep them covered? i have read in books where the child does not have to undress for the physcian to do their checkup. Another question I have is especially for our female adolescents we have them take their bra off as well so the doctor could checkup their breasts for any lumps. I live in ny and the law states that a child needs to have a physical before entering the 7th and 10 grades so as part of the female physical during the time is it really necessary for the physician to check the females breasts during the 7th grade physical? i find it really unnecessary since the girls are continuing to grow and develope so i was wondering what the protocal is at other ped's offices as it pertains to a child/adolescent physicals.