Well, it had to happen sooner or later. After nearly five months of commuting by bike in the city and only having near misses roughly once a month (grrrrr, taxis turning right in front of me!) I have finally had a minor crash. The embarrassing thing though, is that I was not hit, I fell off.
After slowing down to let cars come towards me through a gap, I stood up to get some speed up again, took two pedal strokes and then the chain popped off and I went over and slid into a stationary motorcycle. The bike is fine, but my hip acted as a cushion for my keys and I am glad I decided to wear arm warmers this morning.
Moral of the story? Get bike serviced and gears indexed and consider, again, going to either a single speed or a 1xAlfine.