Your insured has advised you that she lives with her fiancé and wants to make sure that her policy will cover a vehicle which she and her fiancé own. What Endorsement does she need on her policy?

The appropriate endorsement that the insured needs is joint ownership coverage. This endorsement is specifically designed for situations where individuals, such as a fiancé or partner, jointly own a vehicle. By utilizing this endorsement, the personal auto policy can properly cover the vehicle, ensuring that both owners are recognized and protected under the policy terms.

Joint ownership coverage recognizes the shared ownership of a vehicle and allows for the necessary coverage to extend to both parties involved. This is particularly important in a domestic situation like that of the insured and her fiancé, as it addresses the nuances of shared ownership, including liability and property damage.

The other endorsements mentioned do not specifically target the unique needs associated with joint ownership. For instance, spousal coverage typically applies only to legally married couples and would not encompass a fiancé. Additional driver coverage focuses on covering driving permissions for additional drivers but doesn't address vehicle ownership issues. The term co-ownership endorsement could imply a broader context of shared ownership, but it is not a standard term typically used within personal auto policies, which is why joint ownership coverage is the most suitable option in this case.