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What are Armored Skirts?
With the development of shaped charge weapons like the bazooka during World War II, the Germans started retro-fitting their tanks with an additional layer of armour to help defeat the new hand held weapons. When you upgrade to veterancy 3, eligible tanks will get this additional layer of armour. You will even notice the tanks look different as you can see the skirts on the tanks.
The bonuses vary slightly. The bazooka and the panzershrek will do 25% less damage and 25% less penetration. The recoiless rifle will do the same except vs the stug, which will have 12.3% less penetration. Piats will do 25% less damage, not doing any less penetration. Sticky bombs will have 50% less penetration.
Armored skirts also provide a 10% damage reduction to most tank cannons and rocket artillery such as the calliope and nebelwerfer. The British bofors emplacement also carries the reduction while the m10 and m18 are not affected.
There are also some more obscure benefits. The t17 does 15% less damage instead of 10%. The 17 and 25lber emplacments will have 18% less accuracy vs panther. The pak38 will have reduced rear penetration vs the panther at medium and long range.The m8, t17, m10, m18, sherman, cromwell, and bofors will have 6% more accuracy vs a skirted panzer IV.