for "realistic" damage of cars:
let's just call these "difficulty settings"
Easy: Default handling.dat
Are you NUTZ !?!?!:
What were you THINKING !??
(any numbers higher than that)
going over hills on HARD can bang up the front end, hitting a car in the tire can bend it, jumping off cliffs can severely hurt and disable your car.
but quite realistic to me.
some people's idea of "realistic" means RUNNING into a car, makes it burst into flames, getting into a car and bumping it does the same, and god forbid you actually succeed getting into a car without blowing it up, RAM another car.