You are forced to take a morale check when you loose 25% or more of a unit during any single phase. I have had it happen from dangerous terrain checks and a few other odd scenarios.
Bsimon's question is a bit tricky.
It looks like you would be required to take a morale check for loosing 25% of your dudes. If you fail the morale check you wold then be requried to Fall Back. There is no mention of what to do if you are required to fall back when inside of a vehicle.
I think there are two ways to handle this.
1. Treat it like how you handle Rage when inside a vehicle. You are able to move the vehicle how you like but when the guys hop out they are bound by the Rage rules. The unit is broken, but won't have to move until they get out of the vehicle. They would continue to make morale checks to regroup as normal (no unit withing 6", above half strenght, etc.)
2. The other scenario would be that they are destroyed. Under the Fall Back rules there is a section on being trapped. "If the unit cannot perform a full fall back move in any direction without doubling back, it is destroyed."