Join Date: May 2003
Location: In the Dutch mountains
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I think that in certain gears, it is not abnormal for a road bike chain to hit the chain stay. This won't happen on a smooth surface, though, but on bumps.
There are several chain stay protectors on the market (stickers, neoprene 'guards'), which can be easily put on, especially if you have straight chain stays. Curved ones are a little bit more complicated.