Does a 2% beneficiary inherit 100% if the 98% beneficiary dies in a car accident? Asking for a friend.

The text poses questions regarding inheritance scenarios involving an account owner and two defined beneficiaries, a 2% beneficiary and a 98% beneficiary. Specifically, it asks what would happen if the 98% beneficiary dies in a car accident, or alternatively, if the account owner and the 98% beneficiary were to die suddenly at the same time.