@Seed,
Why look for the drama? Why not? Speculation makes life more interesting, that's why.
How'd he get to be in serious condition when he wasn't going fast enough for the air bags to deploy?
I think he had a fight with his wife, she lacerated his face with a wine glass, he stormed out, got in his car, started texting his girlfriend to tell her he was on his way over, wasn't looking at the road, and crash, bang, boom - accident.
Alternatively, high on steroids, he was walking around the house holding a hand mirror in front of his face admiring himself when he crashed into a door jamb, lacerating his face with the broken mirror, decided to go to the local 7-11 for bandaids and Polysporin, got in his car, started texting his wife to task her if she needed anything at the store, wasn't looking at the road, and crash, bang, boom - accident.