Front disc locked

Thursday the 19th my front  GRIMECA disc brake locked and i ended up in hospital with a broken collar bone. two hour operation and looking at 3 months off work. do you have any ideas on why they locked .i haven't tampered with it in any way and have no problems with it up until the 19th. my mate said it might be the master cylinder hence last order.they just lock stop dead. any ideas please
ps 30 to instant 0 hurts
Mick