I am looking for book that has a black dragon falling for a red-headed human girl, after she is almost killed while running away from her evil brother's men, who want to marry her off to the enemy. It is here, after fighting off some of her brother's men, that she is wounded and about to die, when she is saved by a dragon. He's a large black dragon that can speak, but doesn't tell her that he can turn into a human until he's completely in love with her.
A scene from the book that sticks with me is this: She is fighting to get the throne back from her brother and he land's in the area of her army in his dragon form only to turn into a human with black hair. Charging after her naked, to explain why he never told her he could change form, when she was staying in his cave to heal, or while he talked about his family members.