Cloth Help

Excerpts:
Just make sure to make the first layer(body) a collision object, and that the cloth effects on layers 2 and 3 are set to detect layer 1 as the collision object.

In layer 1's properties, under dynamics, add "collision" and set it to bounce.

In the Cloth FX panels for layers 2 and 3 set collision detection to , or set the exclusive detection to layer 1.

Set layers 2 and 3 to follow the bones of layer one.

Also parent layers 2 and 3 to layer 1

Select the object;
B (shift-b);
At the top, tell it to use the bones from the object that has them.

It would be under the bone properties panel for that object (regardless if the object actually has any bones). So select that object THEN click on bones and then set it to "use bones from..." at the top of the popup panel.