Well, it could be due to a powerful enemy attack during a fight in Wave. Maybe an enemy with a sharp weapon or some dangerous jutsu managed to strike Naruto's eye.
Well, perhaps it's set in a post - apocalyptic world. Carl is in a fight with some bad guys, and during the struggle, he loses his eye. The fanfic could focus on his journey to get revenge while also learning to live with his disability.
It could be a power - hungry warlord in the story's setting. This warlord might be the one who ordered an attack on Carl's group, leading to Carl losing his eye.
One possible consequence could be a change in his fighting style. Without his eye, he might have to rely more on his other senses like hearing and smell, similar to how blind ninja in the Naruto universe adapt. For example, he could focus more on using his chakra to sense the movements of his opponents.
One possibility is that Naruto's loss of an eye could cause a shift in the power dynamics in the Hidden Leaf Village. People who already neglected him might see him as even more of a liability. However, this could also be the catalyst for some characters to finally realize how wrong they've been. Maybe some of his friends, like Shikamaru or Sakura, would step up and try to help him through this difficult time, and together they could change the way Naruto is treated in the village.
In this fanfic, the plot might focus on Naruto's internal struggle. Losing his eye while being neglected makes him question his place in the world. He could start to explore his heritage more deeply, thinking that there might be something in his Uzumaki bloodline that can help him. Along the way, he meets new characters who either help or hinder his progress, and this all builds up to a final showdown where he has to prove his worth despite his disability.
It could be a rogue ninja from a hidden village that has a grudge against Naruto. This ninja might have a special jutsu that specifically targets Naruto's left eye during a fight, causing him to lose it.
In this fanfiction, it could be that Naruto's left - eye loss is part of a curse placed on him by an ancient evil. This curse not only takes his eye but also starts to drain his chakra. Naruto then has to search for the origin of the curse to break it. Along the way, he meets some new characters who either help or hinder him. His relationship with Sasuke could also be affected as Sasuke might see Naruto as weakened and try to protect him in his own way, which Naruto would initially resist as he doesn't want to be seen as a liability.
Often, it starts with the event that causes Naruto to lose his eye. It could be a battle with a powerful enemy or an accident. Then, Naruto has to deal with the immediate aftermath, like the pain and shock.
There's also the possibility that it's an accidental injury caused by one of Naruto's friends during a training session gone wrong. For example, Sasuke could accidentally unleash a jutsu that hits Naruto's eye while they are sparring.