[HoE] Massive Damage, Please Help

[darklord@dark-sky.net]

Ok, me and a few buds just got started with HoE, and we ran into a
problem that hadn't really come up in all of our playing of
Deadlands.... Working out massive damage with lots of armor.

For Example this happened in our last session:

S
P
O
I
L
E
R

S
P
A
C
E
(Not sure if it is really necessary but what the heck)

Ok, Automation 28 yards down the street just took it's 5th wound to the
guts, and Kaboom, it blows up.  Now there is player A in his truck
(truck has armor 1) wearing kevlar and an armored duster (armor 2 and
-4), Player B behind the truck wearing kevlar (armor 2) and NPC C also
behind the truck.

here's a picture if you need to see it,
http://www.dark-sky.net/layout.gif

Now, how is the damage worked out?!  How does the truck fit into this?
Is damage rolled for the guy in the truck or do you just roll damage for
the truck and he takes whatever hits the passenger area?  Does the Truck
provide cover to those behind it?  If so, how much and how does that
affect it's durability?  And how does Kevlar and armored dusters work
into this? I'm guessing that they don't reduce die types since they
don't cover the entire body.

Can Anyone explain how this would all work out?
Thanks in Advance
Dirk "Ouch" R.