You know how sometimes if you die and it's laggy you reappear naked next to your own corpse? In this situation, what is to be done if there's no DM around?

Do we:

-Continue playing as normal?

-Continue playing as normal and have a DM kill us later?

-Have a party member kill us?

-Let a monster kill us?

-Wait?

-Stop, collaborate, and listen?

That's a pretty uncommon problem these days, I believe.

But, if it's happened, you should tell a DM.

Otherwise, I believe, if you gather your gear and stuff, the next time you log out or the server resets it will all be gone for good, and you'll be in the fugue.