All you need to add a new car is a veh file and associated dds file, these should be in their own folder. You can add a txt file with same name as veh, containing:
Description="Team Starlight"
Painter="jgf"
this will appear ingame for the car, but isn't necessary.
A team folder is only required for organization, otherwise just a folder for each car with a veh and dds file in it, placed in the folder with the hdv, sfx, etc. files; and put the team name in the Team="xxx" and FullTeamName="xxx" in the veh file.
Typically you will have a main mod folder, this will contain any files common to all cars and separate folders for each car type; each car folder will contain a mas, hdv, sfx, etc. for that car type plus the team folders for individual cars containing the veh and dds files. The team folder can have, to my knowledge, any number of cars in it.
Usually if something doesn't work it is either a spelling problem, a path problem, or a misplaced file. (I recently spent an entire afternoon tweaking a mod that had everything in the main folder - 3 dozen car folders, two engine choices, two chassis choices, different sound files, etc. It worked as it was but you couldn't properly save setups and tracing what files went with what cars was odious. I broke the mod into two groups based on engines, moved the car folders and physics files to the proper groups, then edited every veh file and hdv file to point to the new locations ...and half this time was going back to find a missing quotation mark or misplaced comma or a file I'd forgotten to move.)