
Here is one way to take a simple texture and apply it to a shaped object like a car and have it appear to follow the body contours.
Duplicate the image layer and mask then invert the mask to reveal the body on the second layer. Then desaturate the body color and adjust the contrast till you get a well defined grayscale image that keeps the highlights and shadows. (The desaturation keeps the original colors from bleeding over to your material image.)
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Filed under: Photo Effects, PhotoShop Tutorials