hydroplaned on February 17th, 2017, during big storm, ins co. wants to find me at fault?

hydroplaned on February 17th, 2017, during big storm, ins co. wants to find me at fault? Police told me that was an act of nature accident. What do I do?
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I guess that poor road maintenance could also be brought up. But like Texases said, unless some horrific injuries or big buck damages are involved here, hiring a lawyer and an automotive forensics expert seems not to be worth it.
Don't you have comp/collision on the vehicle, to cover the damages?