[wlesieutre]

>That is luck not skill.

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.

[bluGill]

Luck is enough. The average road is about 2 accidents per million miles. https://www.dot.ny.gov/divisions/operating/osss/highway/acci... so if we assume the OP doesn't drive drunk he is isn't enough above average to claim skill based on the evidence we have.

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.