When is an endorsement typically required for an auto policy?

An endorsement is typically required for an auto policy when there is a need to add coverage for new vehicles, additional drivers, or specific uses that are not already included in the existing policy. This is because endorsements serve to modify the original terms of the policy to reflect any changes in the insured's circumstances or needs. For instance, if a policyholder purchases a new car or adds a new driver to their policy, an endorsement updates the coverage to adequately protect these new elements.

In contrast, simply having a car older than 10 years does not automatically necessitate an endorsement, as coverage is determined by the specific information provided in the policy rather than the age of the vehicle itself. Changing insurance providers usually involves starting a new policy rather than an endorsement on the current one, and traveling outside the country may prompt the need for certain coverage adjustments but does not require an endorsement by default. Therefore, option B accurately captures the typical scenarios in which an endorsement would be necessary.