You don't
Have to do clipping... If you use a prefab. There's SUV prefabs floating about everywhere on Google -If you look hard enough. Try
prefablab for a start.
Oh, yes... If you want to make your own, then, Clipping! Lots of Clipping! Load up C2a5g to look at the HL SUV's It's shockingly obvious the're clipped, if you take time to look instead of running frantically!