A Refund on Death (with Tormentor Test)

Death is only inevitable for those who let it catch them.

Jessica, a daredevil known by mortal and spiritual alike, decides to make her day more exciting with a few tricks on her motorcycle. A quick slip, however, leaves her at the mercy of death herself, long before she hoped she would pay a visit. In a final stand, she tries to make what nobody else has ever made -- a refund on death. Will she make her claim known in the face of death?

A short story at around 3,500 words, which also contains the story 'Tormentor Test', at around 3,600 words.