Not all scenes average out to middle grey. Let's take a look at some of the most common situations where your automatic exposure system will have problems and you'll need to override the suggested exposure settings.
Scenes Lighter Than Middle Gray
Scenes lighter than middle gray, such as beach scenes, or bright sand or snow covered landscapes, reflect more than 18% of the light falling on them. The autoexposure system doesn't know the scene should look bright so it calculates an exposure that produces an image that is too dark. To lighten the image so it matches the original scene, you must override the camera's automatic exposure system to add exposure.

The snow scene here is typical of scenes that are lighter than middle gray. Most of the important tones in the scene are at the lighter
end of the gray scale. The overall "average" tone would be about one stop brighter than middle gray. For a good picture you have to increase the exposure by one stop (+1) to lighten it. If you didn't do this, the snow in the scene would appear too gray (bottom).
Scenes Darker Than Middle Gray
Scenes that are darker than middle gray, such as deep shadows, dark foliage, and black cloth, reflect less than 18% of the light falling on them. Although such scenes are not as common as scenes lighter than middle gray, you will come across them occasionally. If you photograph such scenes using automatic exposure, they will appear too light. The meter cannot tell if the scene is dark or just an ordinary scene with less light falling on it. In either case it increases the exposure to make the scene lighter. When it does this, it overexposes the image and makes it too light. To produce a picture with an overall tone darker than middle gray, you need to override the autoexposure system to decrease the exposure to make it darker.

The black cat is between one and two
stops darker than middle gray. To darken the scene so the cat's not middle gray, exposure must be
decreased by one (-1) or two (-2) stops.
Subject Against Very Light Background
Subjects against a very light background such as a portrait against a bright sky or light sand or snow, can confuse an automatic exposure system, particularly if the subject occupies a relatively small part of the scene. The brightness of the background is so predominant that the automatic exposure system reduces the exposure to render the overall brightness as a middle gray. The result is an underexposed and too-dark main subject.

Here the scenes were underexposed to
silhouette the people in the foreground. To show detail in the people, exposure would have
had to have been increased two stops(+2).
Subject Against Very Dark Background
When a small light subject appears against a large dark background, your autoexposure system assumes the overall tone to be darker than it actually is, because so much of the scene is dark compared to the smaller and brighter main subject. The autoexposure system increases the exposure to produce a
middle gray tone. The result is an overexposed and too light main subject.

The rising sun illuminated only one
boat in this harbor scene. If the exposure hadn't been reduced by two stops (-2), the background would be too light and the white boat would have been burned out and too white. A scene like this is a great place to use spot metering.
Scenes with High Contrast
Many scenes, especially those with brightly lit highlights and deep shadows, have a brightness range that cannot be completely recorded by an image sensor. When confronted with such scenes, you have to decide whether the highlight or shadow area is most important, then set the exposure so that
area is shown accurately in the final picture. In high contrast situations such as these, move close enough so the most important area fills the viewfinder frame. Use exposure lock from that position to lock in the exposure. Another way to deal with high contrast is to lighten the shadows by adding fill flash. A portrait, for example, lit from the back or side is often more effective and interesting than one lit from the front. But when the light on the scene is contrasty, too much of the person's face may be in overly dark shadow. In this case use fill flash or a white reflector card to fill and lighten the shadows.
In high contrast settings, some
cameras let you decrease contrast at the time you take the picture.
Hard to Meter Scenes
Occasionally it's not convenient or even possible to meter a scene. Neon street signs, spotlit circus acts, fireworks, moonlit scenes, and many similar situations are all difficult and sometimes impossible to meter. In these cases, it's easiest simply to experiment, using the exposure compensation control on your camera. After taking a picture at the suggested exposure, use exposure
compensation to take other exposures both lighter and darker than the suggested settings.

A relatively small subject against a wide
expanse of sky will almost always be underexposed unless you use exposure compensation.