Not commuting, but I rode to the start of a charity ride a year and a half ago and had a mishap with another rider. He was flying through the crowded parking lot; I veered a bit left in reaction to another bike on my right, and the guy who was flying crashed into me. I thought everything was okay and went to line up for the start of the ride, but then the chain caught and pulled the derailleur around to a ghastly angle.
I had an offer of a ride home, but decided to walk it; I was too P.O.ed and needed some quiet time. The high school where the ride started is about 4 miles from my house, so I just walked it.
I gave up on the derailleur and made a diamond frame cruiser out of it.