It's both. Even if an accident is the other driver's fault, there are plenty of cases where driving more defensively would have let you avoid it.
But yes, there's luck too. If you're sitting in traffic at a red light and someone drives into you, not a lot you could do to prevent it.
More importantly, the OP should not claim skill even if he has some: that leads to complacency. If he claims luck he is more likely to admit he isn't perfect and thus pay attention to changes in what he best practice for driving. What he was taught in drivers training 20 years ago assuredly has some things that we now know were wrong, and it didn't even cover some things we now know is important.
But, it also sounds like, some of the driver assist features aren't so good yet either ( reading many of the other comments in this thread )
This is a stretch. The better argument is that the best human reflexes can't react to others' stupidity with the speed and precision modern safety mechanisms can.
That is luck not skill. Humans are not good drives and never can be.
> Stay focused on the task at hand and be responsible.
That helps. It would help some more if you would also get updated training - safety engineers have discovered a lot of things over the years that few people know.