High-fidelity 3D reconstruction of vehicle exteriors improves buyer confidence in online automotive marketplaces, but generating these models in cluttered dealership drive-throughs presents severe technical challenges. Unlike static-scene photogrammetry, this setting features a dynamic vehicle moving against heavily cluttered, static backgrounds. This problem is further compounded by wide-angle lens distortion, specular automotive paint, and non-rigid wheel rotations that violate classical epipolar constraints. We propose an end-to-end pipeline utilizing a two-pillar camera rig. First, we resolve dynamic-scene ambiguities by coupling SAM 3 for instance segmentation with motion-gating to cleanly isolate the moving vehicle, explicitly masking out non-rigid wheels to enforce strict epipolar geometry. Second, we extract robust correspondences directly on raw, distorted 4K imagery using the RoMa v2 learned matcher guided by semantic confidence masks. Third, these matches are integrated into a rig-aware SfM optimization that utilizes CAD-derived relative pose priors to eliminate scale drift. Finally, we use a distortion-aware 3D Gaussian Splatting framework (3DGUT) coupled with a stochastic Markov Chain Monte Carlo (MCMC) densification strategy to render reflective surfaces. Evaluations on 25 real-world vehicles across 10 dealerships demonstrate that our full pipeline achieves a PSNR of 28.66 dB, an SSIM of 0.89, and an LPIPS of 0.21 on held-out views, representing a 3.85 dB improvement over standard 3D-GS, delivering inspection-grade interactive 3D models without controlled studio infrastructure.