I have 3DGM lite and will answer the questions as with what I know;
Quote: "Ok can make my own war game in this software?"
Technically you could, but define what sort of war game you mean, if you mean RTS war, then no, FPS/third person shooter war, yes.
Quote: "Can replace the preson to a real photo and can place full photo and hlf photo to the preson?"
No, you can texture the players with photos.
Quote: "Can replace Vehicles to photo Vehicles and be in game?"
No, ditto but with vehicles.
Quote: "Can make like real car Accident and drive fire truck and EMT for 911 call like driving game?"
If you mean the car accident has happened and is part of the scenery, there might be a way to simulate that, but an actual car crash, no.
Quote: "How make a Demo and have the software have main meun screen where will be on Demo game!"
You make the demo exe file within the editor, its straight forward, then you use installer software to make it go into start menu, for installer software theres one at www.clickteam.com
Quote: "Play Now Options Exit how do that for screen?"
Nope, main menu screens are pre-generated, no play, options, or quit, just play and quit (and high score I think)
Quote: "So can I test my desgin before copy to CD or make file .exe demo for my friend can try out see what they like!"
Yes