Some automotive experts are pointing to the federal government's Corporate Average Fuel Economy (CAFE) standards as the culprit in the mounting number of vehicle fatalities across the nation. They say CAFE rules have had the dangerous effect of "downsizing" the nation's vehicle fleet over the years -- making cars less safe.

• Experts note that to produce more fuel-efficient cars, Detroit has replaced the 3,000 to 4,000 pound cars that were common before the 1980s with 2,500 pound economy and subcompact models.

• These smaller and lighter vehicles -- in which plastics have replaced some steel parts -- are no match for 5,000 pound sport-utility vehicles in a crash.

• Moreover, the tiny vehicles are readily damaged beyond repair even in the most minor of accidents.

• Marketing experts explain that the heavier sport-utility vehicles have become so popular with the driving public because they offer the safety and protection lacking in compact and subcompact models.

The insurance industry has announced it is considering slapping a 20 percent surcharge on premiums to cover sport utility vehicles. Critics charge the insurance industry with having the matter backwards. The problem, they say, does not lie with the heavier, sturdier cars -- but with the lightweight cars being produced to meet federal fuel standards.

In short, critics charge, government regulators are responsible for increasing traffic deaths and vehicle damage.