It's a question of liability at that point, not damage to the vehicle. If I put a barrier across the road, and you hit it, you can make the argument that while

It's a question of liability at that point, not damage to the vehicle. If I put a barrier across the road, and you hit it, you can make the argument that while you hit the barrier you wouldn't have hit the tunnel roof. That's going to play out differently in different jurisdictions, I'm sure.