As clearcoat is an additional layer (with IOR 1.5) that light interacts with prior to interaction with the base-layer, there shall be no Fresnel reflection in the base-layer (unless material uses IOR extension).
The below image is from ClearCoatTest.glb in the sample asset repo:
Compare 'Base layer' and 'Coated' columns and you will see that the reflection from the 'Base layer' are still present when using clearcoat.
Instead it should look like this - here you can see that the reflection from the 'Base layer' is not present in the coated versions.
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As clearcoat is an additional layer (with IOR 1.5) that light interacts with prior to interaction with the base-layer, there shall be no Fresnel reflection in the base-layer (unless material uses IOR extension).
The below image is from ClearCoatTest.glb in the sample asset repo:
Compare 'Base layer' and 'Coated' columns and you will see that the reflection from the 'Base layer' are still present when using clearcoat.
Instead it should look like this - here you can see that the reflection from the 'Base layer' is not present in the coated versions.