| Spankster, you really do have bad luck. Sorry to hear about the accident. That sucks. But I agree with Igor and xplode. This is not entirely your fault. A majority maybe, but not entirely. I think more of a 70/30. Hate to see your insurance go up, but I think I'd report it.
Snow creates a chemical imbalance in most peoples brains that makes them forget how to drive. | 
