Wiki makes perfect sense. Anyway, to create a car you need to create a mesh first using a program such as Blender, 3ds Max, etc.
So after you model your body shell, underbody, and texture your vehicle, what do you do? Do you import into Torque or use a program like editorizer?
To be honest we are not supporting content creation very well at this point as it is still an ever-changing ground. You can look at the default vehicles and see how they are made (hopefully). The .jbeam files are all plain text and editable in a text editor of your choice (I use Notepad++). You can get a COLLADA (.DAE) plugin for most 3D modeling programs.
Next time you have a question, post it in the "questions and support" section. It bugs me how many threads are in the wrong place, and I'm sure others feel this too. It would also make the forum much easier to navigate.
All just easy), you need to write 10 (or maybe another number) of .jbeam files and each of them contains around 1000 lines of code on c++ (or maybe not)