I had to use the insurance since I was the only car involved but the police determined that it was "VA fault for accident" they immediately shut down the road for 2 days after because it was covered in about 2in of water and ice. The officer explained to me that because the road was not taken care of properly and I had no way of seeing that since it was totally blind to me I was not at fault at all, yet I still had to use my insurance company to pay for the repairs