Ah, there is no default skin. What you see in Pic 1 is the basic material colours for the polygons. The windows are black, the lights are red/orange etc. But when you render it's putting the default materials on - in this case all white.
What you need to do is read Grudd's (sp?) tutorial. Open up the material editor and the material/map browser. In the browser, click scene (on the left) so you see a single entry (mtl xfg...blah blah). Drag this onto one of the blobs on the material editor, and select Instance when asked. Then close the browser (but not the editor).
Then, click on the blob you copied to. It will open with a list of materials 1 - ~20, each being for a different part of the car. You need to go through each material one by one and set the colours, the textures, the bump maps (if applicable), the shininess, the opacity etc etc. (There's other stuff too, but for now we'll stick to this and not sorting the wheels out).
The first time you do it it normally takes somewhere between 2 hours to 1 day to get your head around. I'd suggest that you set aside about 6 hours to work it all out, 3 if you follow Grudds Tutorial (see Master Skinnerz or dSRC forum, cos I know they're there).
