Nobody's got a clipboard, and nobody wants you to be scared. You make your own choices.
Asterix. A little while ago a club that is not a million miles from my own took to a cycle path, and one of the riders to the rear of the group collided with a bollard (doncha just love those Sustrans routes) splitting her kneecap. Now the truth is that the club had been using this route for years, and the bollards had just sort of become part of the scenery. What should have happened is that the front person should have shouted 'bollard', and the following riders should have repeated the call. If a club does that kind of thing as a matter of course, all well and good, but if not (for instance if there are a number of new riders) there should have been a few words said before the ride.
The rider did not sue, or even think of doing so, despite having to take a ten weeks (iirc) of work. But that, I think, is good fortune.