IMO I'd put $ on it being a car for the lower limbs. Classic MV collision impact injury. Dragged behind a bolting horse - soft tissue, maybe fx femur, head injuries (more head injuries, that's not good). He says got a massive payout from the gendarmerie, so maybe there's a GoT there.Maybe his horsey injuries were actually caused by a car accident?
Is it that he won't drive or can't drive? If he was banged up that bad he might not be able to operate a MV due to tendon/ligament damage.
Needs to keep on a full-time chauffeur then...IMO