The difference between Stack Overflow and Drupal Answers is that the first is the site for programming questions, or questions about tools normally used from developers, while the latter is for questions with answers that apply uniquely to Drupal.
Since for a long time Stack Exchange was the only site where asking Drupal questions, some of the Drupal questions are tolerated on Stack Overflow even if they aren't about programming, but they are about the settings to use in a module, or which module use to achieve a specific task.
In general, Drupal Answers is for questions about Drupal, even when those questions don't involve code, but those questions need to be specific about Drupal. If you are asking which PHP function your code should use, that question is for Stack Overflow; if you are asking which Drupal function your code should use or which hook should be implemented, the question suits Drupal Answers.