Had one today: cycling in a group very slowlythe rider in front of me slipped on mud, I was not keeping distance
also chatting to rider next to me. It was a pile up: could not take a seat at the cafe, was caked in mud
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It was a bit of a 'Carry on Cycling' moment @Pat "5mph"
but probably my fault as the other rider who was distracting you by chatting
It was a shame you had to drink your double espresso standing up
I hope you got cleaned up ok! 
the rider in front of me slipped on mud, I was not keeping distance
also chatting to rider next to me. It was a pile up: could not take a seat at the cafe, was caked in mud 