Insurance companies examine fault in car accidents involving snowy or icy road conditions. They attribute fault to the person who loses control of a car due to slippery road conditions. It is no defense that a person hit a patch of black ice. Even if a person did not recognize the danger or the existence of the ice, that is not a defense either. The law requires a person to exercise reasonable care at all times which includes driving at a safe speed to avoid slippery road conditions.