My first bike crash

it doesn't?  are you sure bear...

The clavicle is the most frequently fractured bone in the body.

I've broken both of mine. (Only once each).

I think the chances of you competetively, or painlessly, swimming the crawl with a fresh fracture is nil; ditto the breaststroke, butterfly.  You could try one armed backstroke, but that would make sighting somewhat difficult.

If you try the crawl or the other face-forward strokes, you could end up (if the bone is completely, through and through broken) cause some serious vascular damage if the sharp ends start swinging around in your chest whilst swimming.

My medical opinion, although the skeletal system is not my forte'

but if monkeys start coming out of your butt, now THAT is my forte'

is that you should consider the race fees lost and heal yourself. Take solace in the fact that the bone is not a major load bearing member and as such, your recovery will not result in a great loss in your ability to maintain fitness. You should still be able to cycle, especially if you are fond of the recumbent position; and running should theoretically be possible.

Sorry to hear about your accident - last time I broke my clavicle, I was given a sling, placed in a figure-of-eight shoulder harness, and sent out the door.   I swore I'd never do anything to impress a girl again.

...yeah, right.