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.
![](http://i108.photobucket.com/albums/n12/Dark_WandererHM/ZWEBStuff/imagedone_zps46j3qltm.jpg)
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.