using multi layered textures and changing which texture is used using particle effects.

Hello i'm trying to have a car be able to drive over different parts of terrain that sets off particle effects such as mud sprays then have those effects then strip back the main clean texture of the car to the show a muddy version of the car.

I have looked at using decals but i found they seem to act weird for not flat surfaces. This post is to help my research for a Final major project i'm doing so i'm looking for new ways to approach the issue.
I've only coded a few things i am a artist primarily.

So i guess if you have the car as the Photoshop file that is all black, the particle effect is the brush that then changes the values to white which then exposes the muddy texture of the car. if that makes any sense.

Cheers