Unless you did something really stupid a cop doesn't want or need you to get out of your vehicle. So, assuming you are prepared, you can cover up or hide almost anything before you park and he gets to the window. It has happened to me once while driving. I put my forms in a gym bag and threw on a light jacket. Put the skirt fabric between my legs and close them a little so they look like pants. It was dark out so I probably went overboard. I could have just leaned forward a little.
The first question he asked of me was, "Why aren't you wearing your seatbelt?"