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.

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.glbin 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.