Stay out of the way as best you can. The past-time is called surfing, not paddling. Paddle completely around the break if necessary and stay out of the impact zone as much as possible. As long as the surfer riding did not intentionally run the paddler over, it's always the paddler's fault in any collision. An apology is all that's necessary to settle a dispute.
Boards get dinged and broken, that's part of surfing.
No financial renumeration should ever be asked for and none given. This priority increases with the degree of difficulty that riding the break leashless presents. However it is the responsibility of the advanced surfers to share and give lesser challenging waves to the lesser ability surfers who observe this rule. The surfer up and riding has priority over everyone else above exceptions noted. Locals must accept and be kind to any visitors who do so.