A coating composition for producing films having improved scratch and mar characteristics. The coating composition incorporates a polyester polycarbamate resin composition, a first cross-linking agent, and a cross-linkable resin to form the film. The resin composition is the reaction product of a first compound having a plurality of hydroxyl groups with a carbamate compound reactive with the hydroxyl groups of the first compound and added in an amount sufficient to form a carbamated intermediary. The carbamated intermediary has at least one primary carbamate group available for cross-linking and has unreacted hydroxyl groups. Then, a silyl compound having a terminal isocyanate group is reacted with the unreacted hydroxyl groups of the carbamated intermediary. The silyl compound also has silylalkoxy groups available for secondary cross-linking. The first cross-linking agent and the cross-linkable resin react with the primary carbamate groups and the silylalkoxy groups, respectively, to produce the film having improved scratch and mar characteristics.