For those who always carry an umbrella around, lucky you. At least you can cross the road slowly. If you don't? then maybe you'll find a shop which sells an umbrella, and buy one. Or maybe you're not really in a hurry, so you can wait at a nearby coffee shop until the rain stops. Of course, if you had a copy of newspaper with you, maybe you can use it as a shield.
As crazy as i am, THIS is what i did when i was caught in a heavy rain.
