I did the exact same thing - got bumped over the finish line jump back in '06, knocked myself out and broke my clavicle into 3 pieces. The doctor said it should heal on it's own, but it never totally did. I should have had the plate & screws put in. I now have more like cartilage than bone in one spot - it flexes just a little bit, but doesn't bother me at all. I still ride, lift weights, and run sprint triathlons. Bones don't heal as fast when you are over 40!!!