I would also add that this should also apply to flying and riding as well. Possibly with the addition of cuts forming on non-armored clothing for bike riders.
Personally, I see no reason why a barely competent character driving slow and not even crashing should leave my character injured (even if it is only superficial bruising) when my character might be very agile, strong and tough with impressive skills that might be logically applicable.
Worse damage when crashing could make sense I think but even then I feel each passenger's skills and stats should play a role in what they personally suffer.
Also, this is purely for fun and to add something in between the crash and no-crash states of vehicles. It's not meant to be perfectly logical. Rather it's an RP device for people driving/riding in vehicles to riff off of.
Honestly, this would just make me take taxis and the like less and stick with other means of transport. It wouldn't enhance my play at all. That is just my personal opinion of course.
There are already failure states for poor drivers and pilots which can kill, we don't need to add obnoxious random damage just for the sake of it.
Mechanics don't need to be overhauled just so characters with special items have something else to do with them.