On her hands and knees, naked as the day she was born in her driveway, Heather desperately peers under her car, looking for the spare-key holder that she'd all but forgotten about until winding up in this ridiculous situation. A car drives by as she is kneeling on her driveway, and she assumes the sort of pose cats do when they have their limbs snug under them, so that the driver will mainly see only her head and shoulders as they roll by. Fortunately, the driver is more concerned with fidling with their makeup, and Heather is spared the humiliation of explaining what she is doing outside, naked, fumbling around next to her passenger-side door.
"There!", hands shaking, Heather retrieves the key-holder from it's hiding place under the chassis and fumbling, removes the spare key. Jumping up, she races around to the driver's side and opens the door! Unfortunately, she also manages to turn it a twist in the wrong direction, causing her car alarm to go off! Butt sticking to the cold vinyl seat and nerves badly jangled, Heather manages to turn off the alarm quickly and sits there for a second, nervously looking around outside to see if anyone is going to arrive in response to her alarm going off.
Fortunately, everyone else seems busy getting their days started and take no notice of her as she next peers around her car at the jumble of soft drink cans, wrappers, and other detritus, none of it useful for covering herself. Then she sees it! Laying across one of her seatbacks in the rear is a flimsy light yellow sort of button top, mainly used as a clothing accessory for layering over a tee shirt. It's nearly see-through and super-tight, but at least it's SOMETHING she can have on to cover her chest. Hands still shaking, Heather manages to reach for the little top and put it on. Now at least if someone should happen by, they won't see her sitting there in her car topless.
"Okay, think Heather", she ponders, "What is your best bet out of this situation?"