And here's the summary. Actually, it's more like a revision since I changed some things. Feedback is mandatory. (Or at least strongly encouraged.)
Vehicle Combat Rules Summary:
The following rules govern the use of vehicles in combat. In general, they treat vehicles as equipment rather than characters. When one character rides another, a similar but not identical ruleset will be used. (That still needs to be written. Shouldn't be hard.)
Vehicles, like characters, are located inside zones. Characters who share a zone with a vehicle may use their action to enter that vehicle, acquiring an appropriate aspect in doing so. This requires no roll unless some force (locked door, uncooperative driver, etc) is preventing the character’s entry.
Some vehicles are large enough to contain entire zones. This does not significantly affect the rules that govern them.
Characters in vehicles are either drivers or passengers. Each vehicle may only have one driver, but the maximum number of passengers depends on the vehicle. The driver must take a supplemental action each turn in order to operate the vehicle. If he does not, then he becomes a passenger and the vehicle has no driver. Simply ignore any rules that reference the driver in that case, or assume a value of 0 for his skill when that is not possible.
Characters cannot move while inside a vehicle. However, the driver of a vehicle may move the vehicle a number of zones equal to the result of a Driving skill check each time he takes an action. When a vehicle moves, everyone inside moves with it.
Vehicles provide armour and can be used as weapons like other equipment. The armour applies to everyone inside, but the vehicle can only be used as a weapon by the driver. Attacks with vehicles use the Driving skill.
All those inside a vehicle have their skills modified by the Driving skill of the driver. In addition, the driver can substitute his Driving skill for the defence skill of anyone inside the vehicle against melee attacks made by those outside the vehicle.
Each vehicle has two statistics not possessed by most equipment. These are Durability and Maneuverability. Maneuverability modifies the driver’s Driving skill for all purposes. Durability dictates the difficulty to hex (or otherwise sabotage) a vehicle and that vehicle’s stress capacity. Some vehicles also possess the equivalent of Toughness powers and/or innate armour.
Vehicles can be attacked just like characters. They defend against attacks with their driver’s Driving skill. They take stress and consequences just like characters. The effects of a vehicle’s destruction upon its inhabitants are highly variable and should be determined on a case-by-case basis.
Living mounts may also be treated as vehicles. Use Survival instead of Driving in that case. A mount’s Maneuverability is equal to its Athletics skill, and its Durability is equal to its Endurance skill.