I'm starting to see crash threads popping up as more group rides increase across the country.
What happens exactly in a crash and who is responsible to pay for my bike if it gets seriously banged up? Insurance? Would that be auto insurance covering it or some other insurance the person must have or typically cash is given out .. I'm worry that I might cause a crash and wouldn't know what to do myself and would probalby not have the money if I caused multiple bike damages. Do most people in a crash brush it off if the damage isn't serious enough and just suck up the cost themselves rather having the person causing the crash pay?
What are the rules and ettiquettes of handling liabilities when it comes to a crash from MINOR to SERIOUS crashes?