I'll be test-driving it tonight, probably in combination with this mechanic. Thanks to everybody who helped out...
("dex or d4" means make a dex or pp roll to avoid taking d4 damage. Seat belts prevent this unless otherwise noted. )
(flip a coin or something to see if you go left or right, when/if applicable.)
1-skid 40 feet, stall.
2-skid, spin 180, stay in same lane.
3-flip over once. You're upside down. dex or d4.
4-flip over twice. You're right side up but not moving. car needs work. dex or d6.
5-spin off the road. still rolling,
6-spin off the road and hit mutant plant which releases spores. con roll or gain a random mutation.
7-spin off the road and hit something hard dex or d8.
8-hit other vehicle--just a tap. 10 sdc to both. If there's no other vehicle, you scratch a sign, guard rail, etc.
9-hit other vehicle--hard. handling checks at -2/10% for both drivers. d8x10 damage to both vehicles.
10-hit other vehicle--medium. handling check for both drivers at -2/10%.
11-hit other vehicle--catastrophic. roll again on this table for both cars twice, each car takes d10x10 damage.
12-pop a side wheelie for a mile and come down smooth. successful charisma check means you manage to convince everyone in the vehicle it was on purpose.
13-minor engine explosion. those within 10 feet of engine take d6 damage. there goes your engine.
14-fwip fwip fwip! one random tire gone. handling check once per round if you go over 35 mph.
15-lost a hubcap. c'est la vie.
16-k-chunk! bad bump, something's hitting the wheel and making bad scary noise. no immediate obvious effect but the longer you ride this, the worse it'll be (GM's discretion).
17-pop a side wheelie and come down hard. roll again.
18-catch some air, come down. make another handling check.
19-due to some combination of geography and speed, you catch some serious air. handling check at -3, but if you make it, you are +1 on all initiative rolls for the rest of the day because you're so buzzed
20-fly 60 feet through the air, come down hard. your car is dead. dex or d10 sdc to everybody inside.
21-flip over and spin. dex or d12 to everybody inside.
22-whoaaaaa. wiggly. dex or d4 to everybody inside.
23-pothole or something. transmission wrenched. speed halved.
24-slide into other vehicle but, hey, look at that, they take 20 sdc and have to make a handling check and you're fine.
25-lost your muffler.
26-chugk. rattlerattle. ting! something stuck somewhere in your vehicle fell out and now it runs better! +1 to all handling checks from now on.
27-gas tank leak. lose 5 gallons per mile.
28-thunkg, wrenchhhh, ching! lose random window.
29-same, but lose back window
30-same, but lose front windshield
31-swerve, slam into your horn. now it won't stop. -2 to everyone on everything until they get used to it (takes 5 minutes).
32-lost a headlight.
33-lost both headlights.
34-lost a side mirror. -3/15% to handling checks when you'd want a side mirror.
35-trunk flies open. 50-5o chance anything in there falls out. roll once per item.
36-part of your vehicle is on fire now. you're not sure which part.
37-radio comes on spontaneously, it's your favorite song. if the vehicle has no radio, you suddenly discover that it does. rock! Now if it's the post-apocalypse, where the fuck did that radio station come from?
38-weird swerve. anybody in the back seat roll dex or d6.
39-skid. whirr, k-chuggg-kk! everybody inside dex or d6. car takes 50 sdc. it's ok. it's ok.
40-big fucking crash into nearby large and unmoving object. car is totalled. everybody dex or d20. dex or d12 if you're wearing a seatbelt.
41-fly into the air--you're about to flip but your car is held in a mysterious null-inertia field. you just hang there. what the fuck?
42-oh, that didn't sound good. vehicle takes 100 sdc.
43-whoa, whoa, whoa! crissssh! all handling checks are at -2/-10% now.
44-as above, except -4, -30%
46-roll three times
47-vrooom, screech, skraaaaaape, wobblewobble. everybody roll con or PE to avoid vomiting.
48-mutant animal suddenly appears in the road. 1-2 small 3-4 medium but fast 5-6 large with chameleon-lke abilities (GM's choice of what exact animal)--Do you try to avoid hitting it? If so, roll again on this table. if not, well, ask your GM.)
49-brake immediately and everybody takes dex or d4 or roll three times. You decide.
50-move one lane to the right or left to avoid losing control.