Answer:
Her friend's personal auto policy (PAP) against uninsured motorist will cover the first $50,000 since Joyce was in her car. The remaining $20,000 (= $70,000 - $50,000) will be covered by Joyce's PAP.
Step-by-step explanation:
Uninsured motorist coverage will pay for any injuries suffered from uninsured drivers, hit and run accidents, drivers with policies that do not cover the full amount of the injury and drivers with insolvent insurance companies.