Can you add or modify collision at run-time? I will look into it. I am good at finding something that is easy and taking the most difficult route, then come back later and find I could have done the same thing in a few lines of code

I do have it working, but a totally different method. I raycasted at the wheelie bar wheels, then cut engine power when the ray has intersection and at the same time adding a downwards force on the front of the car.
I did have it adding a upwards force at the contact point, but if the force was too little, the wheels would pass right through the track and if it was too much it would knock the back tires off the ground.
PS - have tried the below surface viewport on yours yet? Its still working perfectly for my gauges. Next I am going to put in a whole dashboard for the in car view instead of having to carry everything around with the vehicle.