Monday night on a post dinner grocery run, as I ride up the bike on Canyon in front of the pool, up the hill on the sweeping right turn, just before the movie theater:
1. a car cuts into the bike lane a bit.
2. My spidey sense tingles and I swerve toward the curb a bit more.
3. I hit a fairly big rock in the bike lane with the front and maybe the rear wheel.
4. This jostles the bike a bit and derails the slightly too loose chain on the IG hubbed raleigh twenty
5. Just as I pedal hard out of the saddle
6. Causing me to flip neatly over the bars.
7. Land on my right hand hard
8. Give me enough time to look at the front handle bars under me and wonder where the rest of the bike is.
9. And then have the saddle hit me in the upper back and the rest of the bike pile drive into me.
Result 1:

Former Cateye opticube well shattered. Also handlebar mounted white reflector broken. Also later that evening the striker broke off the incredibell when I tried to use it. I did continue my mission and retrieved precious milk for the baby.
Result 2:

Sore wrist Monday night evolves to swollen immobile wrist on tuesday morning evolves into morning in ER. Conclusion: no breaks, some sort of contusion on the outer right wrist with swelling bruising in the carpal tunnel, effectively ennumbing the pinky and ring finger as well as preventing most of the useful bending movements.
Analysis:
Shit happens. I am not too pissed at the car as it was shoddy driving, but shoddy driving happens all the time, but it took the trinity of the swerve, the rock and the power stroke on non-engaged chain to cause me to crash. I am pretty sure clueless driver did not even see me go down as it took more than a couple beats between the pass and the fall. My chain should have been tighter and the rock should have not been there. Eh.... I did ride to the hospital and work on tuesday, walked in and back today, probably will ride in tomorrow. Coaster brakes enable nearly manual dexterity free riding.
Coworker reaction amuses me. In order of popularity:
1. As much as you ride, you still fell off?
2. As much as you ride, I am surprised this does not happen more often.
3. You drove today right?
Fortunately it feels much better already and doc claims I will be just like new by next week. The bruise on my shoulder from the saddle and the tweaked pec/ribs hurt more than the wrist. I will be better soon. I will then continue my hella training blocks.