Wow! Glad to hear they're all right.
So,you come around a corner and a tow truck is right there,stopped in your lane obstructing the highway. It's icey and you can't stop in time. Where's the charge in that? Driving too fast for conditions? How do you know it's too fast until you can't stop? Maybe it wasn't too fast 500yards further back when it wasn't so slick. Sounds like a gray area to me.
Happened to a couple of people I know: my mother, she came around a turn, over a hill, and there was a towtruck in the middle of the road (a narrow 2 lane NB back road) pulling a car out of the ditch. She made it around ok, I don't know how, but the truck behind her didn't.
I also know of a guy who was riding a motorcycle, came over a blind knoll, there was a towtruck with a cable pulling a car out of the ditch, with predictable results and funeral.