If Drew rear-ends Mr. Jackley while borrowing Joe's car, whose liability insurance will pay first for the damages?

In this scenario, Drew rear-ends Mr. Jackley while driving Joe's car. When evaluating liability coverage in such situations, the general principle followed is that the insurance coverage for the car being driven is primary in covering any damages that occur while it is being operated by another driver.

Since Drew is driving Joe's car, Joe's liability insurance would be the primary coverage that pays for the damages resulting from the accident. This type of coverage typically follows the vehicle rather than the driver, meaning that the insurance associated with the car being operated is responsible for covering damages first.

Drew's own liability insurance would not be the first to pay because it would typically act as secondary coverage in cases where the primary insurance (in this case, Joe's) is insufficient to cover the damages. Mr. Jackley's insurance also would not be applicable here, as he is the victim of the accident and is not liable for covering damages; he is likely seeking compensation for damages from the responsible party's insurance.

Therefore, Joe's liability insurance is the correct answer, as it is the policy attached to the vehicle Drew was operating at the time of the incident.