Ah yes, Life's old double whammy. It's like this or accidentally drinking soda after swallowing something very spicy or slipping whilst holding food (Bonus if you are working as a waiter) or slipping down a flight of stairs, or getting yourself mugged and stabbed, or getting yourself involved in a car accident and then watch the bills stack.
There's bad luck, very bad luck, and then there's Muppo.
I'd like a 4koma of Muppo tripping on the side walk, and smacking her forehead, only to show that doing so allowed her to avoid getting hit by a car. She might have bad luck, but it's a good kind of bad luck that keeps really bad things from happening to her.