Damage and Passengers
Attacks must specifically target either the passengers
(in which case, the vehicle is unaffected) or the vehicle
itself (in which case, the passengers are not affected).
The exceptions to this rule are ramming, full-automatic
bursts and area-effect weapon attacks like grenades
and rockets—these attacks affect both passengers and
vehicles.
If an attack is made against passengers, make a normal Attack Test, but the passengers are always considered to be under Good Cover (this is in addition to the +3 modifier for being inside a moving vehicle; additionally, the Blind Fire modifier may apply to the attacker as the situation dictates). Passengers attempting to defend against an attack inside a vehicle suffer a –2 dice pool modifier to their Defense Test, since their movements are limited to the interior of the vehicle. Additionally, the passengers gain protection from the vehicle’s chassis, adding the Armor of the vehicle to any personal armor the characters are wearing.
In the case of ramming, suppressive fire, shot-firing shotguns, and area-effect attacks, both passengers and vehicles resist the damage equally.
If an attack is made against passengers, make a normal Attack Test, but the passengers are always considered to be under Good Cover (this is in addition to the +3 modifier for being inside a moving vehicle; additionally, the Blind Fire modifier may apply to the attacker as the situation dictates). Passengers attempting to defend against an attack inside a vehicle suffer a –2 dice pool modifier to their Defense Test, since their movements are limited to the interior of the vehicle. Additionally, the passengers gain protection from the vehicle’s chassis, adding the Armor of the vehicle to any personal armor the characters are wearing.
In the case of ramming, suppressive fire, shot-firing shotguns, and area-effect attacks, both passengers and vehicles resist the damage equally.
(CRB 205)