Coating formulations suitable for demanding applications such as automotive clear and top coats contain a hydroxyl-functional film forming resin, an isocyanate or blocked isocyanate curative, and functionalized metal oxide particles, where >50% of the reactive functionalities are more reactive towards isocyanates than at least 60% of the hydroxyl groups of the film forming resin. Coatings prepared therefrom have excellent abrasion resistance, even with low filler content.