Around here, the typical scenario is to recommend an immediate D&C if ultrasound shows no heartbeat. (Thank you, Dr. Marzbani for not doing that!). I am very concerned about women rushing to D&C, though, because it leaves no room for errors in ultrasound interpretion, weird uterine structure that hides the baby, a late conception and other reasons an inevitable miscarriage can be misdiagnosed even by a very good doctor.
In searching for more information about that, I found a great site that you ought to visit before you schedule a D&C: The Misdiagnosed Miscarriage Site That way, if you do have a miscarriage, you won't have any regrets. There is a very good forum with lots of helpful information about the different options.