You'd think so. Maybe I've been lucky so far, because I've crashed in all sorts of ways for all sorts of reasons...including a pretty nasty car smack (and several smaller ones, and trolley tracks, and booziness, and trying new stuff, and and and and....) and have yet to have any problems because of the chain. In fact, while splitting lanes during CM one month it actually kind of saved me. A cab and bus tried to squeeze me and in the process of standing up to hammer it took the mirror off of the cab. I hate to think of that mirror catching me instead of the chain and throwing me under one or both of the vehicles. Seems to me that slung over the shoulder is riskier. Hip bones are much stronger than collarbones.