To start with what difference did it make who took the shot. They were both in the same family and paid for the ticket. There was no fraud involved because both kids had about the same skill and they didn't run in a ringer. If the brother who made the shot was better than the other one why wasn't the ticket in his name to start with. This is just BS by the insurance company so they can save themselves 50,000 bucks. The kid made the shot, the ticket was paid for, someone in the family should have been able to take the shot if the original kid wasn't available.
It's not as if the boy cheated to make the shot, he made it fair and square. The insurance company is just like all of them, any frickin' excuse not to pay up.