What did you do wrong?
1)Driving while not paying attention in perhapsone of the most dangerious weather conditions - daytime thaws put water on the road - night freeze = black ice
2)Not dressing for the weather - even if you are going to be in a vehicle
3)Not having some sort of kit in the car - heck, it's only October, and I'd be able to pull out some flares, a nice wool blanket, water, food, a stove, a flashlight, etc

AKA - have a basic kit, including some signalling "stuff" and a blanket in the car, along with a little water and food, and even with your cracked rib, you won't be too bad