(n.) A term that describes the survivability of a person in any sort of accident.
It refers to the apparent knack that usually undesirable people of questionable social worth (alcoholics, drug addicts, gangsters, so on) have for surviving insane injuries or crashes. Conversely, it also describes the apparent fragility of those who do contribute remarkably to our society (organ donors, doctors, charitable people, so on).
A drunk driver can ram his car into a brick wall at 100 miles per hour and completely smash his car to smithereens with only minor injuries, cuz' of his high cockroach factor.
At the same time, if a doctor were to slip and fall in his/her bathroom, he/she may be in grave danger, because of his/her low cockroach factor.