Yes, to an extent, luck is random, so by definition, some people will be luckier or unluckier than average.
But a big factor is your own actions, firstly to put yourself in a position where you're more likely to be lucky, or less likely to be unlucky, and then your attitude and actions when luck (good or bad) strikes you.
I.e. someone may be "lucky" to win the lottery, but they have to buy a ticket to be in with a chance. If you don't even buy a ticket, then you've massively reduced your likelihood of winning and being lucky (to zero!!). Buy more tickets and you increase your chances of being lucky by winning!
Same in every other aspect of life. You may be "unlucky" to get knocked down crossing the road, but you can reduce your chances of being knocked down by being more aware of the traffic, walking a bit further to a pedestrian crossing, walking even further to use a bridge or subway instead, etc etc. or increase your risk by listening to loud music, concentrating on a telephone call instead of looking at the road, crossing where there's no crossing or central island, etc etc. You can still be run down crossing at a crossing when you have the green light if the driver is an idiot, drunk or on his mobile, but the chances are greatly reduced - even moreso if you watch the road as you cross instead of ignoring traffic and going just because you have the green light!