Damage to Vehicle Occupants

When a vehicle takes damage from a collision, its occupants may take damage as well. The base amount of damage depends on the cover offered by the vehicle.
Cover Damage
None Same as damage taken by vehicle
One-quarter One-half damage taken by vehicle
One-half One-quarter damage taken by vehicle
Three-quarters or more None
Each of the occupants may make a Reflex save (DC 15) to take half damage.