It will be interesting what the "real" pilots on the Forum reply.
I would imagine that you declare an emergency with ATC at your overcast airport/airfield, expecially if you are running short of fuel, and get their assistance to guide you to the nearest airfield with better landing conditions.
Air Traffic Control are very good at looking after you if you are in trouble and will assist you to land safely.
(The Military section are also very helpful when in difficulty).
Cheers all...

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Paul...another VFR only pilot..

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P.S. Obviously, none of this will work in the Flight Sim, but it will be interesting feed-back from the "real" pilots out there...

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Win 8.1 64-bit. DX11. Advent Tower. Intel i7-3770 3.9 GHz 8-core. 8 GB System RAM. AMD Radeon HD 7700 1GB RAM. DVD ROM. 2 Terra Byte SATA Hard Drive. Philips 17" LCD Monitor. Saitek Cyborg X Fly-5 Joystick. ...and a Briggs and Stratton Petrol Lawn Mower.