Vehicle Crashed Mechanics Need Fixing

[Haulvern 0]

Ok I was driving a tractor (with red engine) at 5mp through a forest, due to a weird frame rate drop I hit a tree, which caused the tractor to explode costing our group many very rare weapons which took weeks to gather (we were moving camp at the time). I would like to see this mechanic changed, even when cars hit each other at 70+ mph in real life people often survive and the cars don't simply blow up. So why should they blow up after hitting a tree at 5mph I could understand if the engine broke causing the vehicle to stop but come on the current mechanics are very stupid.

Thank you for reading please share your thoughts below.