Agreed - very situational. A tommy gun spraying a minivan won't only hit the groceries in the back. As background, we had just finished a game and started the traditional bourbon and BS before we scattered back to real life and the question arose because the 12' mechs they just fought off were built as vehicles. The guys inside were damage free even though the mechs were trashed. One of the players was an iron man clone, not built as a vehicle, and he took some bruising. So - the application of damage to passengers came up and we had to have a second round. Never came up with an answer. I'm leaning towards a hit location (inside the torso) sharing of damage that gets past the PD, but open to other suggestions.