You break it you fix it.
I specifically told my clumsy friend not to knock over my $6000.oo bike. Then he did, and scraped the carbon fork down a stone wall. The guy is broke, I know he feels bad already. He can't even afford a new bike, or even new tires. I never mentioned it again. I bough a new fork, but I'm not going to tell him. If I knew he could afford it I would tell him. If a guy with a Ferrari and a Rolex hit my bike I would expect him to pay.
If he destroyed my zipps, I don't know what I would do. I would tell a stranger they owe me, but I would not start a war over just a bike.
I feel if it's really my fault, then I need to fix it. I guess If I fell on someones bike and ruined the zipps, I would be mad at me, not him. If I start falling and knocking bikes over you have permission to shoot me. If I destroy someones Zipps, shoot me right away.