I have been stuck in snow several times and had to be pulled out by tow truck. Never counted as an accident. We did have a driver who got stuck in a driveway, used chains to get out but ended up chewing up the driveway a bit. Owner couldn't tell until break up (Alaskan for "spring") and this driver got charged with a Tier 1 accident months after the fact. He had a clean record and it really just meant a hour of computer assessments and a one day ride along.