don't forget how many drivers we have in the GTA that have never driven in snow before, some have never seen snow. This could be/is a MAJOR cause for all of these accidents.
Being a proffessional driver (80,000 kms a year) I have seen it all. I have found that the combination of people driving in the wrong lane and being "over cautious" in changing situations causes more accidents than the few people going to fast. Someone going 40 on a two lane highway because they are unsure of the road conditions is not safe, it forces people to make an aggressive move to get around them. While being passed the unsafe driver becomes nervous and often jams on the brakes. This causes the drivers beside and behind the unsafe driver to react to the situation.
Often times it is not an action that causes accidents but the reaction of the other drivers around the person.
Be careful, drive according to road conditions. If you have to drive at %50 of the posted limit then either the roads aren't safe or you are not confident enough in your driving to be on them. In either case, GET OFF THE ROAD.