Pretty straight forward- what specific examples do you have when either you or people in your groups have caused damage to personal property like a car or a house, and how did you handle them when the owner wanted restitution? Did your insurance cover it? Did the course have an insurance policy? Park at your own risk type policy? Pay out of pocket? Lots of people say what would happen but I would like to know what actually happened in your situations. Sorry if this has been covered.
By the way, If you just didn't say anything and ran don't post here.