Abstract: The present invention relates to a coating composition particularly useful as a clear coating used over a pigmented base coat that has improved cure, which provides increased out of oven hardness, as well as improved mar and scratch resistance, and increased environmental chemical resistance. The composition is comprised of 40-70% by weight of film forming binder and 30-60% by weight of a volatile liquid carrier for the binder; wherein the binder contains a 25-98.5% by weight, based on the weight of the binder, of a silane polymer, 1-40% by weight, based on the weight of the binder, of an alkylated melamine crosslinking agent, 0.5-5% by weight, based upon the weight of the binder, of an aryl or alkyl acid phosphate curing agent, and 0-30% by weight, based upon the weight of the binder, of a non aqueous dispersed polymer, a urethane polymer, a polyester resin, an acrylic polyol resin, or any mixture thereof. The composition may be used, in particular, as a finish for automobiles and light trucks.