Under Howard's Personal Auto Policy (PAP), what is the classification of the car he bought for his youngest son?

The classification of the car that Howard bought for his youngest son is considered an owned automobile under Howard's Personal Auto Policy (PAP). This is because the vehicle is registered in Howard's name or in the name of his son, indicating that Howard has ownership and control over the vehicle.

In the context of auto insurance, an owned automobile refers to a vehicle that is either held in the insured's name or a family member's name, and that the insured has provided coverage for under their policy. This distinction is important as it determines the coverage limits and the policy provisions applicable to accidents or incidents involving the vehicle.

Therefore, Howard's policy will extend coverage to this owned automobile, which means that any claims or liabilities arising from its use are likely to be covered by his existing Personal Auto Policy, assuming all other conditions of the policy are met.