Whose liability insurance will pay first when Drew rear-ends Mr. Jackley with Joe's car?

In this scenario, Joe's liability insurance will pay first when Drew rear-ends Mr. Jackley with Joe's car because the car that caused the accident is registered to Joe. Liability insurance generally covers damages caused by the insured driver while operating a vehicle that is insured under their policy. Since Drew was driving Joe's car at the time of the accident, Joe's insurance would be the primary coverage to respond to the claim for damages incurred by Mr. Jackley.

This principle is based on the fact that automobile liability insurance is typically tied to the vehicle rather than the driver. Therefore, the insurance policy associated with the vehicle (in this case, Joe's) would be responsible for covering any claims arising from an incident involving that vehicle.