You have either have to hex off or vertex the scarf to be inside the actual model
I personally don't know how to professionally vertex or hex, but you could ask around . Also, go to Mariodk or Ms. Spinda's vertexing guide
I'd first use Mariodk's guide first and if you dont understand it or can get it working, look at Ms. Spinda's guide
Mariodk's :
http://forums.kc-mm.com/index.php?topic=13061.0Ms. Spinda :
http://forums.kc-mm.com/index.php?topic=17704.0