Auto Insurance Claims: Determination of Fault, reply thanks, poor weather

Question
I am in Texas and had an accident last month  because of the icy roads. The weather here were cold and the roads were snowy and icy that day. I happened to lose control of my car because of an icy patch and my car tried to slide. Before i could gain control again, my car was hit by a truck. There were 3 other vehicles involved in the same accident. Now how will the insurance companies determine the fault? Is it my fault becuase I lost control first or is it the truck's since it hit me before i could gain control. I do not have collision coverage and my car has been more damaged than any other vehicles involved in that accident? Do i have any claim here, and if its my fault, how bad will it hurt my insurance rates?

I look forward for your reply.

Thanks in advance.

Sincerely,

Richard

Answer
I need more information to determine fault.  Where were all the cars and who had traffic controls?

During bad weather, liability is normally determined the same as in good weather.  The only exception is an "ice defense" which is very difficult to apply and can only be used if a reasonable person had no opportunity to avoid the accident.  When people are driving in poor weather they generally are aware of this, and they assume the risk.  However, if you were driving on what appeared to be safe roads and there was invisible black ice, this is where the defense would apply.

If you have not yet done so, make sure you reprot to your insurance company, as they need to defend you against liability claims from the other drivers.  if they determine you were at fault, they will probably surcharge your rates.  I can't say how much because that will depend on your driving record and the company's policy - none are the same.