Kim with sisters and baby North in car accident in Montana

Kardashian's vehicle -- a black Yukon GMC - got into accident in Montana because of icy roads.

TMZ reported, Khloe Kardashian skidded on an ice-covered Montana road and dangerously crossed into oncoming traffic, eventually landing in a ditch with Kim, North West and Kylie on board.

We're told the girls were driving in Bozeman, MT Saturday morning when a semi-truck drove by their car and kicked up a ton of snow, hitting their windshield and apparently blinding Khloe.

Apparently Khloe couldn't see and began swerving, right into a patch of black ice.  The car then spun out of control, crossing oncoming traffic and ending up in a ditch.

We're told cops came and everyone's ok.  

The accident comes 2 weeks to the day after Bruce Jenner got in his fatal car crash.

Kim posted this pic on Instagram afterward ... seemingly making reference to the accident.