Lasers only have limited depth with out substaining on target. So lasers can not really cause more than surface damage.
Not so! A primitve (early 1970s) ruby laser powered by ordinary wall current, firing a microsecond burst about once every ten seconds, could punch a hole through ordinary sheet metal or several inches of wood. Thicker metals are a problem because the vaporizing mass has an intrinsic reflectivity that defeats easy penetration.
Lasers developed by the army were "stuttered" (hundreds of extremely short pulses back to back in a tiny fraction of a second) to allow the vaporizing metal to disperse. They could easily penetrate the best armor. However, the delicate nature of some parts and the huge power requirements made them impractical at current tech level.
The Air-Borne Laser project uses more power at longer distances, so the beam was somewhat dispersed and caused uneven vaporization, also eliminating the reflectivity problem.
In any case, vaporization is an explosive process. (What is an explosion but the rapid conversion of matter to superheated vapor?) The old ruby laser target made a loud bang and a whisp of smoke from the tiny hole. Military lasers leave more than a tiny hole and cause a much bigger bang!
The idea of making an object reflective to defeat lasers doesn't work. It isn't possible—the intensity of the beam quickly (nanoseconds) drains the electrons at the surface of the material of free energy necessary to cause reflection and the electrons themselves take up the incident energy and are freed, leaving the atoms highly ionized and stripped of molecular bonds.
That is a description of "vaporization" as caused by laser or similar incident energy. The resulting explosion may not do much to a tank if penetration is incomplete. Anything else is too lightly armored to resist penetration, or if living, has a particular affinity for the few cm of surface material thus burnt away.
On one hand, you're right. A man-portable laser rifle won't do much damage to a vehicle unless it hits something vital, just like a conventional rifle. Any larger laser such as Traveller envisions for vehicular mount will unleash enough energy to cause lots of damage.