Hmm, difficult one. I had an experience over a year ago in the Chilterns on a solo ride. Turned onto a bridleway and was confronted with 2 large barking dogs (Great Dane puppies) that insisted on jumping up at me. I used to have a dog and I've worked in a boarding kennels handling all sorts of dogs so have no fear.
After a couple of hundred metres by the farmhouse, the owner was working outside and I politely suggested that, as it was obvious by their barking that someone was on the bridleway, he should call his dogs to heel. I was told that "it was my bl**dy land and they could run where they wanted". He then turned his back on me.
I spoke to his wife and very calmly explained that some people would find the dogs terrifying. After a rationale discussion, it transpired that they didn't like mountain bikers and apparently a mtb'er had kicked one of the dogs. Surprise surprise!
I subsequently reported him the next day to the Rights of Way people at the local council as he did not want to appear to have the dogs under any control.
Have since ridden there and, guess what, the dogs are nowhere to be seen.
So ... if my clothing was torn or I fell off and damaged my bike at that time, would I be reimbursed? No. Therefore I judged that they had to be accountable and that is why I took action.
You can't really go into "what if's" but the problem being is, at the end of the day, will anyone do anything about it?