There are no expert or clever drivers when it comes to slippery roads caused by snow fall.
Here are two classical examples of what can happen to you when you drive at the “normal speed” around curve roads on during winter.
When you approach curve roads or unfamiliar roads it is better to reduce your speed to below the usual recommended limits
This car was either turning right or left into the road but it ended in a ditch because it turned at a high speed. I know because it is a road I drive past almost on a daily basis. The driver ended up in the dicth either due to ignorance of the road or underestimation of the effect of snow on the road. If the driver was cautious and still ended up in the dicth, then he or she probably has summer tyres on.
This second image is total careless driving. It could have ended badly and sadly if the driver had met an oncoming car or vehicle in the opposite direction.
This accident happened on a day we had wet snow. The driver was approaching a curve and kept a speed of 70km/h or more. At the curve, he swerved into adjacent lane meant for opposite traffic. He must have been very lucky not to run directly into an oncoming vehicle and I think I got there 5 or 10 minutes after the accident.
People should be more careful when they drive in the winter. Accidents rate automatically goes up during this time but with more caution, driving can still be safe regardless of the season.