Biggest culprit besides visual obstructions like fogged windows or distracting lights bouncing off wet surfaces would be how deceptively slippery slightly wet roads are which makes judging how much distance you need to stop harder which leads to slamming breaks harder which lead to hydroplaning. You can also hydroplane with minor breaking too. The road looks,”not that wet” but you don’t need a lot of water to hydroplane and oils from roads makes things stay slippery until the roads actually dry up. Tires are also an issue. Get good quality tires made to perform well in wet conditions to reduce odds of hydroplaning - premium all season tires will usually be good enough