My guess is no insurance involved. Somebody has a Rocket III, did some reading on forums and got the idea to remove throttle secondaries and accidentally dropped something into one of the throttle bores. Who knows what, maybe a screw perhaps a small tool bit. Rode for a short while, idling at a stop light, hit the throttle and whatever it was found it's way thru an intake valve. Thats what bent a spark plug. Either that or he installed new plugs and put the wrong ones in and one hit a piston.
There is no way the piston could hit the plug unless the plug is too long.
Valves? No way for them to hit the plug even if the timing chain jumps. They could hit the piston but not plugs. If valves are bent or broken there would be much more than a "tinging" noise.
The guy screwed his bike up and wanted help but would not admit what really happened.[/QUO]
Pres you are good that is some serious Sherlok Holmes stuff you just figured out.