The Terminator RPG Pg94

 Particle beams don’t care about reflective coatings,
or armor, or the car parked outside for that matter.
Any damage dealt by a particle beam affects
Resistance and Hit points concurrently, and
as many targets behind the initial target as the
Director feels is fair. Damage is just the start of your
problems, Particle Beams are highly radioactive
and will cause radiation poisoning (see page 84).
Once this was a design flaw, Skynet considers it a
valuable feature. If fired into a vehicle it will likely
poison all the inhabitants. Luckily sniping individual
targets from orbit is a hard ask.