I accidently hit my mirror off the drain pipe which sticks out from the side of the garage next to where I park... It just folded, with no damage. I'm guessing that doesn't count.
There's some sync issues online, but they're quite rare and Simbin are working on a fix for it, the netcode is very smooth, allows for bumper to bumper racing very easily.
Public servers are full of wreckers as mentioned before, but I race with a community with organised race nights on tuesdays and fridays (and any other days people organise them for) and getting 24 people in evenly matched cars bombing around Brands Hatch Indy circuit is a hell of alot of fun, I can tell you now! :P
In short... for online play, join a community.
Oh plus, Custom skins and addon tracks are supported with RACE 07.
I got 3 full clear laps in at FE Green because instead of leaving the pits when everybody else did I just hung back and waited until everybody had left.
It's part of the challenge, a challenge that I like.