I thought I'd do a quick example of an M136 AT4 anti-tank rocket attack vs. a BMP-2 to get my head around vehicle damage. The US soldier fired the AT4 and got an extra success for 9 damage. The frontal armour of the BMP-2 was 5, modified to 4 by the -1 modifier of the AT4. The hit therefore penetrated the armour for 5 damage. A roll of 6 on the penetration column of the Component Damage table meant the Driver was hit. The AT4 has Crit 2 so the NPC driver was incapacitated. Now what happens? According to the description of the Driver Component, any damage above the Crit level of the weapon continues into the Cargo component. However, under Secondary Damage, it says any damage in excess of that needed to destroy OR INCAPACITATE a component continues to hit another component (Cargo is next up the list).
If the driver was an NPC like in this example then I assume 3 damage now hits the Cargo component. What happens if this is a PC vehicle and the driver was a PC with 4 Hit Capacity? In this case it took 4 damage to incapacitate him (Critical Injuries don't automatically incapacitate PCs). Would you allow 3 damage to pass though to Cargo or only 1?