Could it be that he and his wife had a fight, she injured him. Tiger decided to behave as a gentleman and decided to "cover" this with a car accident. No alcohol involved, and surely, being inside the comunity, aproching or leaving his house he was making only a few MPH.
How come that the Air bags did not protect him?
Then she comes with a golf club in her hand (she always carries a golfclub in her purese in case of an accident) and breaks the rear window (?) to pull him out? Wouldn't it have been easier to bake the passenger window and open the doors?
In my imagination, she was mad for ssomething, smashed the rear window of the car, hit Tiger and the story goes to the begining.