The direct answer to your question is "No", because if you had done your "proper planning", you already know where any IMC conditions are going to exist. So it's all avoidable.
There are many weather products out there to determine if "unavoidable IMC" exists. Heck, even using The Weather Channel website (
www.weather.com) can be enough to tell a VFR only pilot that it's not advisable to fly.
Even if you take off in beautiful calm VMC conditions, you will see any IMC stuff well,
well before you get into the thick of it and can avoid it.
Your instructor should be equipping you with the basics of what to do if you get caught in IMC conditions. The basics are to remain calm, don't panic, trust your instruments, and do what's needed to extricate yourself from IMC and avoid obstacles (Hint: Look at the center of the squares on your VFR Chart, then stay at an altitude higher than the big number you find there).