Well I'd hope that there could be a way to mod the damage model files, like if you were to sink it by torpedo, the same can occur in a collision between two ships. It would be cool to see a merchant ship split a destroyer in two.:rotfl: In reality such 'accidents' did occur in WWII, On Oct. 2, 1942,the liner then coverted Troopship Queen Mary rammed and sank the old british WWI era light cruiser HMS Curacao (D41) that was escorting her, splitting it in half. 338 of the HMS Curacao's crewmembers were lost, after sinking in less then three minutes.
Here is a wikipedia link on the HMS Curacao (D41).
http://en.wikipedia.org/wiki/HMS_Curacoa
-seawolve44