Solr does not stop you to host multiple entities in a single collection.
You can define the fields for both the entities and have them hosted within the Collection.
You would need to have an identifier to identify the Entities, if you want to filter the results per entity.
If your collections are small or there is a relationship between the User and Car it might be helpful to host them within the same collection
For Solr Multicore Check Answer
Solr Multicore is basically a set up for allowing Solr to host multiple cores.
These Cores which would host a complete different set of unrelated entities.
You can have a separate Core for each table as well.
For e.g. If you have collections for Documents, People, Stocks which are completely unrelated entities you would want to host then in different collections
Multicore setup would allow you to
- Host unrelated entities separately so that they don't impact each other
- Having a different configuration for each core with different behavior
- Performing activities on each core differently (Update data, Load, Reload, Replication)
- keep the size of the core in check and configure caching accordingly
Its more a matter of preference and requirements.