If your cloth has too much friction it will stick to the character unnaturally as it deforms, too little friction and it will appear unrealistically silky.

Friction is how 'sticky' the cloth is, how much it resists being dragged against another surface.By increasing this you can move the collisions away from the actual geometry slightly, minimizing actual geometric intersections. This is important because, due to the geometric nature of a mesh, there will always be intersections between two colliding objects. Distance is essentially the 'thickness' of the cloth, the threshold of how far away from the cloth mesh a collision is registered.I rarely find the default quality of 2 to be decent, I often use between 3 and 5. Quality is basically the number of steps blender takes to simulate the cloth, higher quality = more steps = longer baking time = better looking simulation.To get a decent looking simulation you will have to play around with the collision settings. So in your case, you should enable Cloth Collision in the cloth sim settings and enable Collision physics on the character.

When Cloth Collision is enabled, the cloth simulation will collide with all objects which have the Collision physics type enabled. (Adding the Collision physics type only allows other objects and particles to collide with the cloth, it does not influence the cloth simulation of the object on which it is enabled.) Cloth collision allows other objects to influence the calculation of the cloth simulation. In order to keep the cloth from going through other objects you need to enable Cloth Collision.

Cloth surface c4d