Perhaps she gets hurt while exploring an old, haunted place. She might trip and injure herself while running away from a spooky apparition. Her injury then becomes a hindrance in her further exploration and she has to rely on others for help, which could change the dynamics of her relationships in the fanfiction.
Another character who might be responsible is a jealous rival. This person could be envious of Elena's popularity or her relationship with someone important. So, they set a trap that causes her to get hurt.
Well, one possible plot could be that Klaus and Elena initially have a very tumultuous relationship. Maybe they are forced to work together against a common enemy and during that time, their feelings change. Klaus might become more protective of Elena, and this newfound closeness leads to her getting pregnant. It could then explore how they deal with the pregnancy in a world full of supernatural drama and danger.
One possible plot could be that Christy gets hurt during a sports event. Maybe she's playing soccer and gets tackled too hard. Her friends then rush to her side, and the story could focus on their reactions and how they help her. For example, one friend might call an ambulance while another stays with her to keep her calm.
One possible plot could be that Mulan gets hurt on her way back home after the war. She might encounter bandits and get injured while defending herself. This would delay her return home and add more challenges to her journey, like finding shelter and treatment in an unfriendly area.
One possibility could be that Garcia gets hurt during a case. Maybe she's on a mission to hack into a dangerous criminal's system and they trace her location, leading to an attack. Her friends in the BAU then go on a hunt to find the culprits while also trying to save her.
Maybe Judy gets physically injured during a dangerous adventure. For example, she could be exploring an old, abandoned building and accidentally fall through a rotten floorboard.
Well, one possibility could be that Stefan and Elena have to face a lot of challenges together. Their relationship might become stronger as they prepare for the baby. Maybe they'll have to deal with the reactions of their friends and family, like Damon's reaction which could be quite complex.
One common plot development is that Stefan or Damon will go on a vengeful rampage. For example, if Elena is hurt by a vampire hunter, they'll seek to eliminate the threat. Another is that her friends like Bonnie and Caroline will rally around her, using their magic or wits to help her heal. Sometimes, Elena's hurt can also lead to a discovery of new powers within herself in the fanfiction world.
Maybe Leo is in a fight and gets seriously injured. His friends then have to find a way to save him.
In a possible plot, Lily might be hurt during a quidditch match. Maybe she gets hit by a bludger and falls from her broom. Her friends then rush to her aid, and there could be a lot of worry and panic among them. They take her to the hospital wing where she recovers slowly while her friends stay by her side, showing the strong bond of friendship.