[thecbguy]

Hey BHPians,

I have a 2019 CB300R which came in as CKD.

I am here with one more tragic incident, on the 28th of February I was cruising down towards Silk board, when a woman with a car rear-ended me, not exactly with force but enough force to make me lose my balance. There was a deep manhole in front of me which I couldn't avoid as I did not have control after being rear-ended.

I would consider this an incident, although the woman was at fault it was not a major impact it was like a push from the back, if I had prepared for the impact I could have controlled the bike since I was in a relaxed position and I immediately lost control put the bike into the manhole (the hole was closed but had 3-4 layer of new tar around it which made it very deep) and fell.

In this process sadly my rims were bent and the front half of the bike was safe because of the sliders but the rear exhaust panel took a beating.
I immediately dropped the bike at the service center the next day i.e. 29th February and initiated an insurance claim. There was no response from the insurance team for the next 36 hours, i called the customer care team only to hear that there had been an issue in raising my request it would be fixed between 24-48 hours, I raised a claim request through WhatsApp and it was immediately processed, WhatsApp worked better than talking to the customer care team.

Here is where the problems start.

The surveyor first sends me an email telling me that the bike is not present in the service center. Then I called the surveyor and asked him to cross-check then he said he would check. Then after 100 calls between the surveyor and the service center, the surveyor approved the claim for exhaust panels and first rejected the rims saying it was "consequential damage" Then I explained the situation he told the tyres were not inflated properly so it happened. Again I argued telling him all tires were inflated properly, I asked him to check the tire pressure as there was no leak even after the rims were bent. He says rims aren't covered under insurance and denies rims. I escalate the matter to the grievance portal, then the whole claim is put on hold telling reason doesn't match the damage.

I called customer care and then I was informed that there was no damage to the tire only the rim is bent so it is internal damage and cannot be covered by insurance. The explanation I was given was that the tire is intact so it's internal damage. I asked for clarification then I was told the rim bend was not covered, as it is only a bend.

I use social media and tag digit to escalate the matter more, they give various reasons in every email, and they have changed their reason at least 5-6 times.

My concern here is:
Why was the approved claim put on hold after escalation? It seems like a matter highly related to ego or something like that.
How are rims not covered by insurance, should the rims be broken completely to get a claim

Note: The Honda service center guys were extremely supportive and helped me negotiate with the surveyor.

Rust spots have existed on the exhaust since 2019, there was no damage to structural integrity because of the spots I will attach all the images for reference. The first approved damage was then denied telling it an old damage after escalation, i have even shared documented proof telling the exhaust panel had rust spots since day one but posed no threat to functioning or structure and was ignored.

Can I expect the claim or should I just pay it from my pocket and move on?

[vattyboy]

Hello, I am sorry to hear about your accident.

Typically, insurance policies do not cover bent rims. However, there is an optional add-on called "Rim Damage Protection/Cover" that can be purchased separately.

I drive a Mercedes CLA with low-profile tires sized 225/45 R17 and have found that its rims are prone to damage from potholes or speed bumps. I have learned from experience that no company covers bent rims without this add-on. As a result, I always purchase the add-on and make claims for bent rims through my insurance.

[libranof1987]

Originally Posted by thecbguy

I called customer care and then I was informed that there was no damage to the tire only the rim is bent so it is internal damage and cannot be covered by insurance. The explanation I was given was that the tire is intact so it's internal damage. I asked for clarification then I was told the rim bend was not covered, as it is only a bend.

Such a truck load of bullshit. Don't accept this for rejection of claim.

If they don't approve the claim even after escalation, lodge a complaint with the Ombudsman.

Originally Posted by vattyboy

Typically, insurance policies do not cover bent rims. However, there is an optional add-on called "Rim Damage Protection/Cover" that can be purchased separately.

Not necessary. I know of a couple of cases where insurance policies (that didn't have this add-on) have covered bent rims. And I'm talking of superbikes, had rim damage courtesy potholes on the highways.

[thecbguy]

Yeah, I'm doing that right now, I hope I will find a solution soon on top of this honda, and sourcing parts is a nightmare :(.
Thank you