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Bumpers are the first line of defense against costly damage in everyday low-speed crashes. Bumpers on cars are designed to match up with each other in collisions, but a long-standing gap in federal regulations exempts SUVs from the same rules. New Insurance Institute for Highway Safety crash tests demonstrate the results: SUV bumpers that don’t line up with those on cars can lead to huge repair bills in what should be minor collisions in stop-and-go traffic.