I had to take a two-and-a-half-hour ride to Delaware on July 4th weekend for some business. When I got to Coastal Highway it was stop and go traffic. A small group of motorcycles were riding on the shoulder so I followed along behind them. Eventually I wound up leading the pack but had to get back into traffic at a particular point. The other bikes started passing me on the shoulder and, as I was looking in my right hand mirror for the last bike to go by, I crashed (10-20mph) into the SUV in front of me. I was thrown over the handlebars and wound up with a grade 3 shoulder separation, busted front fender, handlebars a little out of alignment, and front right turn signal not working. There are no helmet laws in Delaware but I wear all the gear all the time and I am glad that I do. I went ahead and finished the job I had to do and then checked into the hospital to make sure nothing was broken. That was where they told me that I had a grade 3 shoulder separation and I will always have this lump on my shoulder. We are now a month from the accident and I have very good range of movement with my left arm. The 2008 M50 that I was riding was totaled by the insurance company. I used the settlement money to buy a 2007 C50 with no accident history and recently serviced by the dealer I was buying it from. Point being, always wear all the gear.