Sadly it can happen here too. Remember the very friendly supermoto rider that was around GTAM a few years ago (his name escapes me now, I think Donovan IRL(different screen name though), he was good and would offer free lessons to anyone that wanted to come out sometimes even the use of his bikes)? He hit a drunk guy staggering out of a golf course and took a huge hit (I don't know the extent, but he had to sell all his bikes and more to help cover it).
I think: http://www.gtamotorcycle.com/archives/member.php?775-reciprocity