Those things don't happen to people who learn to drive with 4 inches of snow on the road. Where I used to live, they didn't plow my side street until there was over 10 inches of snow on the street.
The only time I was in an accident in the winter was when some jerk tried to pass me when we were in a long line of cars going about 30 mph on the highway because of poor visibility. I could only see the rear lights of the 2 cars ahead of me. I leave ample space to stop when the weather so this guy thought he could advance I spot as there was room for his car. He tried to pass 4 times, but the snow was heavier on the other side as most cars were heading out of Toronto. Just as we crest a hill, he starts to pass again and I see the brake lights come on in the cars in front of me. I hit the brakes and come to a stop, the idiots car slews sideways and hits my drivers side fender before going off the road. Then I am sitting on the highway, nobody is moving in front of me so I put on my 4 way flashers. I guess some guys behind me were not paying attention and about 12 cars piled up behind me (yes I got rearended). The cars ahead of me weren't moving and I noticed that the two cars had hit each other. I am certified in first aid so I check the cars behind me and everyone is okay, just shaken up a bit. As I go to the cars in front of me I see that there are 4 cars piled up, no, 6, finally there was a 76 car pileup in front of our little 13 car pileup and the guy in the ditch.
It took the police 3 hours to get to us. The problem was caused because an old guy forgot his glasses and needs them to drive, since it was snowing hard he decided to pull over to the side. He had been driving in the wrong lane so he pulled over into the correct land in his white car and turned the lights off at the bottom of the hill. The first guy had to chance to stop, but the other 74 guys were following too closely.
Always leave room, wear your seat belt and drive according to the conditions.