@Dom93iomThere seems to be some safeguard, as it only seems to work until a certain limit if you're still very close to the track. (maybe the shortest ~5s penalty distance?)
OTH, it can also happen that you pause in a hurry when going off-track on a DNF cliff where you can't climb back, reset to track in the menu but still receive the Terminal Damage screen seconds after resuming (for an instant the car will even be shown back on track). Happened to me more than twice during career, can't say on Clubs as I've never faced a similar situation as far as I know.
IIRC back on DR2 it'd always avoid terminal damage on a similar situation (pause during fall, prior to TD screen), but I could be remembering it wrong.
