1.   Concerns over cost more than safety were raised in recent bumper tests by the insurance institute.

2.   Even so, experts at the insurance institute expect the number of deaths to rise because speeds are higher.

3.   Hosford said European tests conducted in a similar manner did not match the results of the insurance institute.

4.   Lund at the insurance institute said that buyers should not assume that sport utility vehicles were safer just because cars fared so badly in crashes with them.

5.   Stunning insurance losses were reported over the last six years after several of the most costly storms ever in this country, according to the insurance institute.

6.   That leaves groups like the insurance institute, which uses the carrot and stick of publicity.

7.   The insurance institute reports the costs separately for each of its four hits, plus it reports the total damage and the average damage for each hit.

8.   The insurance institute, of Arlington, Va., conducts four tests.

9.   The insurance institute does conduct an overall safety test, with crashes at high speeds.

10.   The insurance institute suggests possible design improvements, such as lower front bumpers to prevent these higher vehicles from overriding cars.