In some fanfictions, Jacob could get hurt while exploring an unknown area. There could be some sort of hidden danger, like a trap set by an enemy. Or perhaps he gets hurt in a natural disaster that occurs while he's in his wolf form and unable to fully protect himself. For example, a sudden landslide or a forest fire.
In some 'goku gets hurt fanfiction', he might get hurt while protecting his friends or family. For example, he could take a fatal blow meant for someone else. This would not only physically harm him but also add an emotional aspect to the story as his loved ones would be worried and try to save him.
Maybe Harley could get hurt during a fight with a supervillain. For example, she might be outnumbered and take a hard blow.
In this type of fanfiction, Kagami could get hurt in a more domestic setting as well. Say she's helping out in the kitchen and accidentally cuts herself with a sharp knife. Or she could be climbing stairs at home and slip, falling and getting hurt. There could also be an emotional hurt scenario where she overhears something unkind about herself and is deeply hurt on an emotional level which could also be explored in the fanfiction.
One scenario could be that Steven is exploring an unknown area and stumbles upon some sort of dangerous trap that causes him harm. It could be a hidden energy field or a collapsing structure. Another possibility is that he gets hurt while trying to protect his friends. He might jump in front of an attack meant for someone else, like Connie or the Crystal Gems, and bear the brunt of the injury.
Perhaps in the 'lydia gets hurt fanfiction', Lydia is hurt while exploring a dangerous and unknown place. She could step on a hidden trap, like a spike pit or a poisoned dart trap, which causes her physical harm and then she has to struggle to survive and find help in that hostile environment.
In 'kuroko gets hurt fanfiction', he could be injured in a fight. For example, if some rivals from another school pick a fight with him because of his basketball skills. Also, perhaps while training alone at night, he overexerts himself and pulls a muscle. It's also possible that in the story, he gets hurt trying to protect one of his teammates from a bully.
Another possibility is that she gets hurt emotionally. Maybe a relationship in the fanfiction turns sour. A betrayal by a close friend or a lover could be considered as a form of 'getting hurt'. This could then lead to her making some different choices in the story and growing as a character from the pain she experiences.
In some fanfictions, Clary might get hurt because of a betrayal within the Shadowhunter community. For example, someone she trusts might lead her into a trap where she gets injured. It could be a complex plot where the betrayer has their own motives, like jealousy or a desire for power. This would not only physically harm Clary but also emotionally shatter her trust in those around her.
One scenario could be that Spongebob is participating in a boating school test with Mrs. Puff. He gets overly confident and tries a really difficult maneuver. As a result, the boat crashes into a rock, and Spongebob hits his head on the steering wheel. He's dazed and confused, and Mrs. Puff has to figure out how to get him back to shore safely.
Another scenario could be that Yuri is exploring an old building in the fanfiction world. She could stumble upon a hidden trap or some unstable structure, like a rickety staircase, which gives way and causes her to fall and get hurt.