I guess I'm always going to be marked incorrect/wrong whenever the word 'carro' is involved. I will continue to say 'coche'. I think it's as real shame that coche isn't a acceptable option. I'm from a European country and I want to refresh my Spanish language skills so that I can use it in Spain specifically.
No, since that is the first person form: "I have". For the second person, aka "you", use "tienes" ((do) you have). :)
When translating a simple present tense Spanish verb, we have three options. To keep it simple, lets use comes. It can mean:
You are eating.
You do eat.
As a question it can be
Are you eating?
Do you eat?
The last one is reserved for questions of disbelief. Not every form works for every verb. I don't think "are you having a car?" sounds right in English. For the most part, you need a helping verb to make it a question in English.