Crashing Carbon

[Miranda]

OK, I did a search with my thread title and the word matches were spread all over. (I'm sure it's been discussed before somewhere?) So, I'm just going to post...

How much impact can a carbon frame really take?

I know that's a trade off of having carbon--the crash and trash risk. Obviously there's some variances. But, what's typical?

If you unfortunately crash and trash your carbon, what do you do? Just suck it up and be out the $$$ of the frame and replace? Are there any manufacturer discounts for crash frame replacement situations? I know some of you have bike insurance (that I have seen a thread on in the past).

TYIA