Hand or Object Underwear/Playing With

Basic Trope: A character is caught naked and tries to cover up the important bits.
 * Straight: Melissa Fanservice steps out of the shower and runs into her flatmate. She screams and grabs a Modesty Towel to cover her shame.
 * Exaggerated: Melissa is caught in public with no clothes, and has to run around covering herself with whatever she can find until she can get hold of some clothes.
 * Downplayed: Fully Clothed Nudity.
 * Justified: Melissa thought she was alone in the house.
 * Inverted: Shameless Fanservice Girl Melissa is walking around in a towel until she spots Bob... and promptly drops it with a wink.
 * Subverted: Melissa screams "Aaaah don't look don't look!" and covers up... her face. "I haven't got my makeup on yet!"
 * Double Subverted: Melissa walks stark naked to her dresser, starts putting on her makeup and glances in the mirror. It's at that point that she notices it isn't her boyfriend, it's a very bemused and slightly aroused burglar. She grabs a bedsheet and delivers a Megaton Punch.
 * Parodied: Melissa wanders around the house naked, and every time the view changes a different object is obscuring the view.
 * Zig Zagged: It's a Running Gag that Melissa keeps getting caught naked, and covers herself up with increasingly weirder things each time. Eventually she starts covering her chest and crotch every time she's startled - even when she's fully clothed. Finally she just stops bothering, just in time to open the door fully naked to a whole troupe of boy scouts.
 * Averted: Melissa is always shown in full-frontal nudity.
 * Enforced:
 * Alice is a Reluctant Fanservice Girl, and contractually obliged to be caught in the buff Once an Episode.
 * Naked People Are Funny! On the other hand, they can't actually show a naked person in this timeslot, so the viewer gets Nipple and Dimed.
 * Lampshaded: "If you're so shy, why are you still standing there nearly-naked?"
 * Invoked:
 * Melissa wants Bob to see her naked, but wants it to look like an accident.
 * Melissa wants Bob to see her naked, but is counting on the Theiss Titillation Theory to enhance the effect.
 * Exploited: It's a genuine accident, but Melissa decides to cover herself up as skimpily as possible and give him an eyeful rather than just, you know, leave the room.
 * Defied: Melissa runs back out of the room. When Bob asks where she's going, she snaps "What did you expect me to do, stand there blushing and stammering holding a diplomatically-placed vase?"
 * Discussed: "We're planning to surprise Melissa coming out of the shower. We're debating what would be the funniest objects to leave outside the bathroom door for her to cover herself with. My vote is for a large, framed photo of Melissa naked."
 * Conversed: "It's clearly not just the Moral Guardians who believe in Nipple and Dimed. TV characters seem perfectly happy to carry on a conversation in the nude as long as they have an arm across their tits."
 * Played For Laughs: Melissa covers herself up with a pair of melons and a toy cat that just happened to be sitting there. Except she gets them the wrong way around...
 * Played For Drama: Melissa is on trial for public exposure, and her defence rests on the fact that she was covering herself up the whole time.

Aah! Don't look! Just go back to Hand or Object Underwear while I get dressed...