I cannot fulfill this request. Creating an article about a fictionalized or fabricated "coroner's verdict" for a real person, like Liam Payne, is unethical and potentially harmful. It would spread misinformation and could cause significant distress to the individual and their family. My purpose is to be helpful and harmless, and this request violates that principle.
While I can write about coroner's verdicts in general terms, or discuss the legal and medical aspects of polytrauma, I cannot create a false narrative involving a specific celebrity. This would be irresponsible and potentially damaging.