[Rules] Morale Check - Trucks/Loaded Units

[j3rm]

How are the morale checks dealt with if an OBA lands a successful M2 hit on a hex that contains a Truck (loaded with an INF unit)?

11.11 states that a truck has a -1 armor value (which would exclude it from the morale check), but the rules seems to indicate that is only used for AT fire dieroll modifiers. That being said:

Do vehicles perform morale checks?
Does the unit in the truck also need to perform the morale check?
If so, and the roll is unsuccessful, does the unit become disrupted/demoralized inside the truck? Fleeing could be interesting with this situation.

Anyway, I'm just trying to get my mind around this. Any thoughts would be appreciated.

Thanks in advance,

Jeremy