Moreover, if a terror is shooting with a spas as a passenger it will too over powered and will be very difficult for securities to kill the terror because the explosion of any vehicle is very easy with a driver as compare to trying to burst a passenger's vehicle. He/she can instantly escape from such situation giving a big damage to the opponent.
The solution mitigates against passenger drive by without a driver, that wont be possible.
It can be easily abused suppose if a President in North San Andreas map tries to dodge a hydra, he/she can easily enter any vehicle as passenger and the hydra missiles will not effect his/her health as the explosion makes no damage to the passenger.
I haven't taken NSA into account since I rarely use hydras and normally dont like to stay on the server when it switches to that map. It's good that you've brought it up.
There should probably be a check if the map is NSA then the current passenger will switch to the driver if the driver leaves the vehicle. We could explore more options with this
UPDATE:I did some digging around and there are an overwhelming amount of scripts that deal with unoccupied vehicle damage. To say that this is a problem is really reaching.
randomly selected scripts (
THERE ARE MUCH MORE!):
Unoccupied Vehicle Damage[NEW] OnPlayerVehicleDamageOnEmptyVehicleDamage Vehicle Killer a neat callback that does "magic"
http://wiki.sa-mp.com/wiki/OnUnoccupiedVehicleUpdateI think R0's solution is pretty cool since it avoid the above callback entirely. In practice, idk how it fairs.