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Smart weapons "gain a DM to their attack rolls equal to the difference between their TL and that of the target," (CRB75).
When using a smart weapon against a vehicle that makes perfect sense. But what about when using a smart weapon against a person? The Central Supply Catalogue gives us the option of smart ammo for pistols and rifles at TL 10 (guided ammo, page140).
Do characters have a TL? Do we use the TL of their armour? Something else?
I couldn't find any answer in the books so you may have to "House Rule" this.
The simplest solution would be to apply a flat +1 DM to the attack roll, perhaps increasing to +2 at TL 13, say. Arbitrary modifiers are a common method of creating ad hoc fixes to situations not covered in the rules.
Another solution may be to apply a DM equal to the difference between their TL and the target's Dex characteristic. By defining the target character's TL as their Dex, you maintain the wording of the text. I think this solution is less arbitrary and more in keeping with the "flavor" of the rule.
You use the tech level of the armor they are wearing, so combat armor of tech 12, or in the case of say flax armor rated at I think 8 as base, you use the level it was made at. So if the planet cop is using local-made armor you use the planet's tech level. So you use the item's base tech or the planet's, whichever is best.
