The invention relates to aqueous coating agents containing at least one water-dispersible polymer (WP) that comprises at least one functional group (a), preferably at least one cross-linking agent (V) that comprises at least two functional groups (b) which react with the functional groups (a) of the water-dispersible polymer (WP) by forming a covalent bond when the coating agent is cured, and positively charged inorganic particles in which the ratio D/d between the average particle diameter (D) and the average particle thickness (d) is >50, the charge of the organic particles being compensated at least in part by single-charged organic anions (OA). The invention further relates to a method for producing OEM composite layers that are resistant to flying stones and consist of an anti-corrosive layer which is directly applied to the substrate, a filler layer, and a final layer of coating lacquer preferably consisting of a lacquer primer and a final clear lacquer layer, at least one layer being formed from the aforementioned aqueous coating agent.