When a character walks or runs, you may sometimes see the moving legs penetrating the CloneCloth in iClone, for example- using the G3 CloneCloth Overcoat.
1.Hide the parts of the lower texture
1-1
Apply an opacity texture to hide the penetrated areas.
1-2
Set Specular and Glossiness of Lower to 0
2.Hide the parts of skin texture
2-1
Do the same for the skin of the legs. Apply an opacity texture to hide the exposed areas.