The only way I can see crashes in to others users causing their wheels FFB to damage its self is when they are using excessive FFB properties. I use a sensible amount of FFB, I can feel what the car is doing.. I can nearly tell wether the paint on the corners are gloss or matt (top gear quote

). But I have NEVER had my wheel 'lock' its self out over a crash.
But seriously.. if you're having to use such an amount of force feedback which could potentially damage your wheel, then it's up to you to pit, pull over to a safe place or press escape.
There will always be people having fun and crashing in to each other after a race.. its been that way ever since I have been playing LFS, and any other Sim. If the server admin on that particular server enforce a stipulation of not to crash after a race.. then do as you're told. But like I said.. anyone who wishes to use such a high amount of force feedback, then it is your responsibility to protect your OWN wheel!