Here's why:
* Coolant Leak: A blown head gasket, cracked engine block, or other coolant leak is the most common cause of white smoke. If coolant is entering the cylinders, it will be burned and produce white smoke. This excessive heat and pressure in the cylinders can put a strain on the turbocharger, potentially leading to premature wear or failure *if the problem is left unaddressed*.
* Moisture (less likely): In cold weather, condensation can create white smoke, especially on shorter trips. This is usually harmless and will clear up as the engine warms.
* Turbocharger Itself (rare): A failing turbocharger rarely causes white smoke directly. If oil is leaking into the exhaust due to a failing turbo seal (this would result in blue smoke, not white), the excessive oil *could* contribute to combustion issues. However, white smoke is not a primary symptom of turbo failure.
In short: White smoke points to a serious engine issue (likely a coolant leak). If you see white smoke, don't assume it's the turbo. Get your vehicle to a mechanic immediately to diagnose the root cause. Ignoring the problem could indeed lead to turbo damage, but fixing the underlying issue is the priority.