Abstract: The invention is a method of coating a substrate with a chip-resistant polyurethane protective coating which contains pigmented acrylic lacquer, acrylic enamel or nitro-cellulose lacquer. This blend provides a coating composition which matches the colors of the existing pigmented protective surface of a substrate such as an automobile. The method involves supplying to a substrate a liquid curable primary amine-free polyurethane coating composition containing a catalyzed mixture of polyester polyol, polyisocyanate compound, and organic solvent, permitting the organic solvent to flash evaporate until the coating exhibits a tacky surface condition, and then applying sufficient uniform coats to cover the substrate with a mixture of the unpigmented polyurethane coating composition and a liquid pigmented protective coating composition selected from the group consisting of acrylic lacquer, acrylic enamel, and nitrocellulose reduced with compatible solvent for use.