I got splashed by a puddle.
.
I got stuck in traffic.
.
My bike got stolen.
.
I got caught in the rain/snow.
.
I had a (dentist’s) appointment.
.
I fell over/tripped and hurt my (ankle/knee)
.
I lost track of time
.
The metro line was down
.
I overslept.
.
I got a terrible headache
.
I missed the bus and had to wait for the next on
.
I got distracted.
.
A water pipe burst in my house/flat.
.
I had a car/bike/motorbike accident.
.
My house/apartment got burgled/broken into.
.