Yea my tow truck guy said I was lucky I didn't get blinded or anything so I will take the L and just get full coverage next time and drive more carefully.

I know to slow down in snowy conditions, but a part of my brain turned off when it's for things like random road debris appearing on the road. I've never had this happen in the 8 years I've driven so it never kind of came to my mind as a hazard, but yes, I've realized now that it's entirely my fault. Thank you.