WOW! I've heard that a stick jammed between your tire and fender can do this, but I had no idea the results could be so dramatic (if that is what happened). I can't even figure out what I'm seeing with the front fender, and I can only imagine what kind of force it took to bend the frame like that. FWIW, the things I've read say a fender clearance of 10mm or more is recommended to avoid this, but I'm not sure that would apply to the stick you've got there.

Here's wishing you speedy healing.