its called clear coat peel and its from uv damage, most of the time. usually not adequately washing and waxing the car causes it, road chemicals can cause it especially if not washed off. so can dirty brush operated car washes, when used too often. cheap clear coat from an aftermarket paint job sometimes does this on its own as well, some cars from 95-00 have this issue the 626 was one some if the proteges have it and many fords and chevys from that era have it as well, it was a paint supllier with a bad run of clearcoat supplied to factories