“Acronym FAIL.” lol I thought the same thing, they are cognitively challenged.
55 yrs old, not a dumb kid but a dumb adult, a free adult, now a dead adult. Hopefully he had a nice life insurance policy. Which might not pay if he was willfully ignoring the helmet law.
They’ll pay unless it was a recent purchase. If it was within 2 years (in most states) they can call it a suicide.