DOUBLE OCCUPANCY
The Puzzlemaster Presents Vol. 2
Will Shortz

Think of a familiar two-word phrase that names something every driver needs.....and that contains all five vowels (A,E,I,O, and U) exactly twice. The first word has 10 letters and the second word has 9.

HINT:
It has to do with the legal aspect of driving.

Answer:

AUTOMOBILE INSURANCE