This discussion has been had here on the RCU forums before, and the very question you ask usually ends up in some very heated debate. My own opinion on the matter is that if you shoot down someone elses Plane, then you fess up to your mistake, and you do everything within your means to help to make it right to the person who's plane you shot down. I am not saying you should put yourself into bankruptcy, or starve your kids, but in some way, or some how, you do whatever you can possibly do WITHIN YOUR MEANS to show this other flyer that you take responsibillity, and are making your best effort to make things right. If you are flying a very high dollar Plane, you had also better realize that the majority of the people you are flying with does not have the same size bank roll as you, and probally nothing short of there Life Insurance policy will pay for your broken Plane. And even though I believe the way I do, there is no model Plane in the world worth enough to ruin somebody elses life over.
If I am at the field with someone that has the same frequency, and even though we are only allowed one frequency pin # to share. I quarenteen my radio to the cab of my Truck when that other guy fly's. That way if he happens to crash, he will not suspect the radio that is laying next to me. When we exchange the pin, we show each other that the other persons radio is off, and that radio is not going to touched while the other guy has the pin #.