Here is something I put together in about 5 mins.
The only difference from what you did and what I did:
I used the Genesis model and clothing rather than Aiko 3.
I used and environment sphere just for a quick background.
I added a basic direct light with a deep shadow with Intensity and softness set to 50% each.
I assume you use 3Dlight as your rendering engine, so, basic default rendering of 3Delight.
There are poke throughs but the primary focus is the surface settings of the car and windshield for the effectiveness.
Listed below are the ONLY surface settings I changed on the car to get the reflection
Car Surface - Diffuse Color (128-128- 128)(A medium grey)
Reflection Color (128-0-0)(A Dark Red)
Reflection Strength 100%
Windshield - Diffuese (255-255-255)(White)
Opacity Strength 65%
Reflection color - (192-192-192)(A light bluish white)
Reflection Strength 100%
As you can see, the Enviroment Sphere helps in the overall reflections in the image.
Hope this helps.