As thought up by me, and many others, here it is.

Realistic Fracture v.1.1

New version! (realisticfrac.lua) Added checking for fractures, to all the joints. It will work on both dismemberment and fracture.

Basically what this script does is check what gets fractured, and fracture other joints depending on what was hit.

For example: If the neck is fractured, your WHOLE body is fractured.
If the lumbar gets fractured, you lose everything below the lumbar.
If your abs are fractured, you no longer have control over your feet.

Pretty simple.

I intend to add checks for hands, but it's a bit more complicated.

Right, now, the only joints that matter are the ones on your spine. (Neck, Chest, Lumbar, Abs)

Extract into Toribash/data/script, and launch it from the Scripts menu. Make sure Fracture is turned to 1.

Enjoy.