if you don't want to be dfd then have a lawyer write to the society on your behalf. cite the wt as much as possible. You did nothing. Sounds like the local elders were looking for a chance and blindsided you when you were in the hosp. I must say your wife wasn't much help.
I'm one of the "walking dead" and it's better than being "in" .
I hope you get better fast. Bike crashes are so dangerous.