09.16.26 Auto Insurance Warning / Social Media Scam Ads

Clark drops an urgent warning for vehicle owners regarding a massive spike in auto insurance claim denials. If you let a friend, colleague, or extended family member borrow your vehicle to run a quick errand, you could be setting yourself up for financial disaster. Also, a sleazy car insurance tool has made an AI video of Clark endorsing its product. This is happening all over social media. Clark tackles the explosion of sophisticated AI-generated scams plaguing social media platforms like Facebook. From deepfake videos using Clark’s own voice and image to pitch bogus insurance products, to fake ads offering unbelievable discounts on luxury goods, scammers are leveraging advanced technology to trick you out of your hard-earned money. Clark shares how you can protect your wallet, spot counterfeit deals, and why you need to adopt a healthy sense of skepticism—not cynicism—whenever you see trusted public figures or targeted ads popping up in your feed. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the September 16, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Who Gets To Drive: Segment 1 Ask Clark: Segment 2 AI Targeted Scam Ads: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Best Auto Insurance Companies and Some of the Worst⁠ ⁠Credit Card Debt Consolidation: 3 Paths To Consider, 2 To Avoid⁠ ⁠Clark Howard's Credit Card Debt Elimination Strategy⁠ ⁠Simple Trick To Pay Down Credit Card Debt Quicker - Clark Howard⁠ ⁠Modern Scams are Getting Harder to Spot. Here's What to Do⁠ ⁠TSA PreCheck® vs. Global Entry vs. CLEAR+: Which Is Best for You?⁠ ⁠How I Set My Teens Up for Retirement in 5 Minutes - Clark Howard⁠ How To Open a Roth IRA Clark.com resources: Episode transcripts Community. Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

• 0:00Speaker 00

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 0:30Speaker 01

  Your sausage McMuffin with egg didn't change. Your receipt did. The sausage McMuffin with egg extra value meal includes a hash brown and a small coffee for just $5. Only at McDonald's for a limited time.

• 0:42Speaker 02

  Price and participation may vary. Promotion pricing may be lower than meal pricing.

• 0:49Speaker 03

  It's my pleasure to welcome you here to the Clark Howard Show. You know, our mission is to serve you with advice and information that empowers you to make better financial decisions in your life. Today, I have new advice for all drivers. Insurers are cracking down on something many of us do from time to time, and they're refusing to pay the claims. Also, you may recall that I've talked about how a sleazy car insurance tool has made an AI video of me endorsing its product. This is happening all over social media.

• 1:31Speaker 03

  And gosh, people are mad at me about this one, thinking I'm really selling out. Oh, I'm going to tell you how to avoid some of the tricks that scamsters are using. But right now, trick or treat. Oh, man, we got six weeks to Halloween, and this feels like just an ugly trick happening from America's auto insurers. I mentioned this before, and there was somebody from the insurance industry who posted a very well thought out Clark stinks. But the trend is not your and my friend.

• 2:10Speaker 03

  Insurers now in the U.S. are not paying on just under half of all auto claims. And the increase in the denials is absolutely stunning across different insurers. Part of it, the industry says, the post we had on Clark stinks, that it has to do with a lot of illegitimate bodily injury claims. But people are having trouble getting all kinds of things paid now by their auto insurer. And it's just a fact. Now, you want something that will get a claim not paid or get you canceled?

• 2:55Speaker 03

  If you allow someone to drive your car who is not named on your policy. In the past, this was not a criteria for insurer to say they weren't going to pay. But as insurers are looking to increase their profitability, well, I got to tell you that if you let a friend, hey, I need to just run with your car, blah, blah, blah. Or a work colleague is going to go pick something up for you, something like that. And you give them your vehicle to drive and they have an accident, even a minor one.

• 3:33Speaker 03

  Insurers now will say, no, not every insurer, but it's become a common practice. Now, I mentioned once before that my middle daughter has a car insured with an insurer that in bold type says that her vehicle is not covered for any other driver other than a named driver. And it says it bold. And so just know that being casual and letting a relative drive your car or something like that, don't do it anymore because insurers, remember what I said, almost half the time

• 4:18Speaker 03

  they're not paying claims. Sometimes, as we had in the insurance industry post response, it is true. Maybe your deductibles high enough that it ends up being a non payout or whatever it is. But there is a clear desire of the insurance industry to have those cute TV ads, get you to buy from them. But then you were serious about that? We weren't actually covering you. We're not paying for that. So just know that it's a tougher industry and they're, they're living by the contract. Pay attention to it.

• 5:03Speaker 03

  And if there's something you are trying to decide if it's okay to do, if you're trying to decide it's not. You have never had a problem with your insurer, right?

• 5:14Speaker 04

  I've been fortunate. I mean, I am with Amica. They're a very good insurer, but it probably costs more than I would have to pay with another insurer.

• 5:21Speaker 03

  Right. So I had somebody come up to me in an airport the other day and say, you know, I call that Amica company that you keep talking about how great they are, and they were five times the cost of my current insurer.

• 5:36Speaker 04

  Wow.

• 5:38Speaker 03

  Wow. I don't know how they could be five times, but

• 5:40Speaker 04

  Right.

• 5:40Speaker 03

  But it's like, I'm sorry, I don't own Amica.

• 5:43Speaker 04

  I know.

• 5:43Speaker 03

  I'm just saying, they, they are the, of the relatively large insurers. They're the one year after year after year that's at the top of the heap for how they handle claims. Because ultimately, do you have insurance? Because you have to, or do you have insurance because if something goes wrong, it pays? And it's good to be with somebody who actually pays.

• 6:04Speaker 04

  It is. Okay, here are some questions. This one's from Jeff in South Carolina. Thank you, Clark, for your years of service to others and giving tips, advice and information to help us win financially. I have a pension and a portfolio that I anticipate will allow me to retire in seven to eight years, and it will serve as a bridge to social security at 70. As I plan for that life change, I am looking to set aside a chunk of money for cars and technology. Two advances in technology have caught my attention as ways to make my retired life more enjoyable. Where do you see technology involving with self-driving cars? I.e. I want to get in the car and it drives 15 hours to Wisconsin to visit family while I sleep, read, et cetera.

• 6:47Speaker 04

  And a Tesla Optimus style robot? Will I be able to tell the robot to do a variety of household chores that I don't want to do that day? I get the sense we are close to these being a reality and relatively affordable, but are we looking at 10, 25 years or not in my lifetime?

• 7:04Speaker 03

  Okay, so first of all, with the self-driving cars, they're already on the roads in more and more and more places. And talking about driving to Wisconsin, one of our staffers just drove from California to the East Coast in her Tesla and just sat there all the way across the country, just put in the destination, it told her where to stop to charge all along the route, did the driving almost 100% coast to coast. Tesla charges 100 bucks a month for that.

• 7:40Speaker 04

  You can't sleep yet.

• 7:41Speaker 03

  Can't sleep. But Waymo, you sit in the back. And Waymo added, I think, 15 new cities recently. Absolutely, that is going to happen. And a lot of people say, I'm never going to get a self-driving car. And then I can tell you, we're not far away from where that's going to be routine. That way before you retire in seven or eight years is going to be a thing. The robots, I don't know about those. I'm not smart enough, have no experience with them, can't really talk about that. But one thing I can tell you is budget for how you're going to cover medical between

• 8:22Speaker 03

  age, sounds like 62, 63, somewhere in there, you're going to retire. Medicare doesn't kick in until 65. That's going to be a real expense for you. And one other thing, a self-driving car is going to be smart enough not to go from South Carolina to Wisconsin in the winter. So if you want to go in the winter, the self-driver won't let you because it'll know that's just not very smart to go there when it's really cold. But Wisconsin is gorgeous in the summer.

• 8:58Speaker 04

  Alun in Georgia says, what is the best method for credit card consolidation? And what is the best way to have a credit card interest rate reduced?

• 9:07Speaker 03

  Okay, so first of all, when you ask the question either for yourself or someone else, there's obviously a burden of credit card debt where you're helping somebody else or it's your own situation. Consolidation almost never works. Consolidation loans that are being pitched very heavily right now. The idea is you take your credit card debt, you put it into a consolidation loan. You make one monthly payment instead of paying the different cards. If you're dealing with credit cards that you've got balances, you just can't get your arms around. What you do instead, what I strongly recommend is that you go to meet with a legitimate nonprofit credit counselor.

• 9:51Speaker 03

  You can find those at NFCC.org, which is National Foundation for Credit Counseling. Their services are free or way cheap. Depending on how your situation is, they will either work with you on coming up with a budget. Usually it's going to be past that. They can negotiate with your credit card companies. And it's very common that they will be able to reduce the interest rate on cards down from the average is like 25% down to much lower than that. And with them, if you go into what's called a DMP, a Debt Management Plan, you pay the

• 10:35Speaker 03

  credit counselor a monthly amount, they then disperse to all your credit cards. And the key with it is it's designed for you to be out of debt, out of debt in 36 to 60 months, but most often 36 months. And I want to wish you or your friend, great success getting your arms around it. I've always called debt consolidation loans rearranging the deck chairs on the Titanic.

• 11:04Speaker 04

  All right, this is a really tough one. Anonymous in Indiana says, hi Clark, I've unfortunately just been diagnosed with young onset Parkinson's disease at the age of 39.

• 11:16Speaker 03

  I am so sorry.

• 11:18Speaker 04

  I rent, have no debt and have several hundred thousand dollars in assets, mostly in a Roth IRA and taxable investments. And I make a good living as an electrician. However, I don't know how long I'll be able to continue working. Even though my medication helps, it's already becoming difficult to work.

• 11:35Speaker 03

  Oh, I'm sorry.

• 11:37Speaker 04

  Yes. And when I'm forced to find a new line of work, I'm sure it will come with a big pay cut. And these were supposed to be my prime earning years. I don't know what to do and I was hoping you'd have some pointers about what my next move should be. Do I cash out my investments? Do I change my investment types? Is disability something that could sustain me? I know your dad said that life is 99 rounds, but this feels like it's going to take a bunch of rounds out of me.

• 12:03Speaker 03

  So anonymous, I am really, really sorry. I have a brother who has Parkinson's and he's on meds that have been very helpful to him with it. But you were young enough at 39 that I believe in my heart of hearts that based on the research going on now, not just with Parkinson's, but several other diseases, that we're moving closer to beyond disease management, which the medicine you're on does, to where, not a scientist, I can't use the word cure, but the improvement in quality of life with treatments

• 12:47Speaker 03

  that will emerge is so probable for you at 39, that's not probable for my brother at 79. And so do not assume this is only a one-way trip to a really much more difficult life. One thing I'd love for you to do is start looking for medical research centers and potential trials you can be part of that would be helpful. You're asking all about the financial and the work.

• 13:25Speaker 03

  I don't want you to just accept that Parkinson's is going to permanently curtail how your life works, because I think there's more positive possibilities for you on that. As far as working as an electrician, you mentioned disability. I don't know if you were referring to social security disability or not, but with your skills being so desired as an electrician, if you can get a job with a large employer that provides disability insurance, long-term disability insurance that you can buy as

• 14:03Speaker 03

  an option, often up to 70% at a large company, there's no medical exam, then when your health does deteriorate, if it does, and you can no longer work as an electrician, you would almost certainly qualify under that disability policy. If you are a union electrician, the union may have insure all comers disability insurance. Social security disability is more difficult to qualify for and becomes a little, the whole thing about you still being able to work, but not doing in your chosen profession

• 14:42Speaker 03

  is more of a hassle, more difficult to do with the social security disability program. But I want to, I want to wish you the best moving forward. And I again encourage you to look wide for what is going on in advanced medical research on Parkinson's and see if there's something that would be potentially a trial or something else that would be useful for you to give a shot at. And please let me know how you do over time. Coming up ahead, we're going to talk about all the social media scam ads that are proliferating

• 15:25Speaker 03

  like you can't imagine in unexpected ways.

• 15:32Speaker 00

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now, then this is a job for Indeed sponsored jobs.

• 16:01Speaker 01

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• 17:34Speaker 05

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• 17:47Speaker 03

  Clark Howard here. I have the greatest insurance for you that's ever existed. Yeah, right. Okay. So this thing just keeps popping up where there are these phony ads of me, where someone's used AI. It looks like me, sounds like me, it's my voice pattern, and it's having me pitch a ripoff insurance product. And people are going berserk angry at me, thinking I'm a big sellout. My goodness, that's how good the AI tools are getting.

• 18:26Speaker 03

  Facebook for one, oh my goodness, their response was that, that the ad meets their standards and they won't pull it down. I could read you the exact quote from them, but my, I just, I can't believe it. So this is our present, but more our future is we, if there's someone known, someone we trust, their likeness, their image, their voice is going to be stolen because something that's really clear with social media is that people are more likely to buy something

• 19:08Speaker 03

  or do something based on what a social media influencer says than they are from traditional advertising. So it works and it also works for the crooks. Cause a lot of what you see on social media really is pay for play. That influencer is saying, yeah, this is the greatest sunscreen ever. I use it when I travel or I'm out at the beach. And they're just getting paid to do that. This is different and really more sinister is the phony baloney made up ads or content that isn't even pretending to be an ad,

• 19:54Speaker 03

  where you're being pitched something that is totally scammy. And be aware that a lot of things you're seeing online for fancy stuff, like some kind of jewelry purse, something like that, that's a high end something or other. And they're being pitched so often they're counterfeits. They're not even the real thing. And we're getting taken by them because AI is really, really capable and only going to become more so. So it requires that you and I be, remember I always talk about this.

• 20:40Speaker 03

  I want you to be skeptical, not cynical, because most people aren't up to no good. Most people are actually just living their lives. But we do live in an era where there's like a special additional like power boost to scamsters because of AI. And in so many different ways in our lives, we're going to have to be prepared for that. The scammy calls. My poor wife is getting a call four to six times a day from someone pretending that she owes money.

• 21:19Speaker 03

  They call from a different number every time and leave a nearly identical voicemail and use a different name every time they call. So she won't answer the calls, but every time she blocks the number, does no good because then they just call from a different number. You have to be so cautious with the way technology is being used to create mischief. And Krista, there's no, I mean, how do we even get the word out there adequately? Cause there was a national TV story about the fake insurance ad involved in me.

• 22:00Speaker 04

  I mean, it's, it's really hard with AI tools and this, this particular company's overseas. And then other ones, they create them. It's like playing whack a mole, so it's not good.

• 22:12Speaker 03

  So even when you see me, you don't know it's really me.

• 22:16Speaker 04

  Yeah, your lips are moving, but you're not saying what they say. Oh, so frustrating. All right, Mark in Nevada wrote in with this.

• 22:25Speaker 03

  Nevada or Nevada?

• 22:27Speaker 04

  Nevada, Nevada, Nevada. A friend of mine has Clear Plus for an easier time at the airport. He loves it, says it's better than TSA PreCheck alone. I was researching it and I was a little confused about the differences between what appears to be three options. Clear Plus, TSA PreCheck and Clear with TSA PreCheck. Do you use any of these and what is the difference and which do you recommend?

• 22:51Speaker 03

  So Mark, your friend must fly a lot. I fly a lot. Lately I've been flying almost every 10, no, about every 10 days I've been flying. And so I pay, well, a credit card that I have pays for me to have the Clear Plus. Oh my goodness, do you have this?

• 23:12Speaker 04

  I have Clear.

• 23:13Speaker 03

  But you, you don't have Clear Plus?

• 23:15Speaker 04

  No, I have regular Clear and TSA PreCheck, which I get for free with my Global Entry. I mean, it's added in.

• 23:21Speaker 03

  Okay, so when you use Clear Plus, and I used it just two days ago, long lines at security, actually pretty long lines at PreCheck. And I go in and you go up and it scans your face. And then the gate just opens and you go into the belt to put your stuff on. Completely automated system. If you actually pay for it, like actual real US dollars you don't have as a benefit somehow, it's a lot of money. Was it 250 a year extra? I mean, it's a lot, but Mark, your friend's right.

• 24:07Speaker 03

  If you are flying constantly, it's really great. So Clear with TSA PreCheck is the old Clear system where it supposedly will get you in front of the regular PreCheck line. Sometimes yes, sometimes no, but the automated Clear Plus, wow.

• 24:29Speaker 04

  So what do you recommend of those three? Say Mark flies a lot.

• 24:34Speaker 03

  Flies a lot, definitely Clear Plus.

• 24:36Speaker 04

  With TSA PreCheck, I mean,

• 24:38Speaker 03

  Well, it's automatically, you have PreCheck.

• 24:40Speaker 04

  You have to have it.

• 24:41Speaker 03

  You have to have PreCheck.

• 24:42Speaker 04

  You have to.

• 24:43Speaker 03

  To have the benefit.

• 24:44Speaker 04

  Okay.

• 24:44Speaker 03

  So you go.

• 24:45Speaker 04

  Clear period, you have to have TSA PreCheck or no? You could buy Clear without it.

• 24:49Speaker 03

  And busy airports, they have Clear for people who don't have PreCheck. And it gets you supposedly quicker to the belt, but you still have to do all the stuff you have to do. And then PreCheck, you know, they've screened you, the pre-screened you. They think they know who you are and, and so it's a shorter, quicker line supposedly. And then the Clear Plus is just amazingly fast. Clear with TSA PreCheck, maybe at airports, they don't have the automated gates yet.

• 25:25Speaker 04

  Okay, so let's just be clear about it.

• 25:27Speaker 03

  Oh, oh, that was, that was.

• 25:31Speaker 04

  If you travel a lot internationally, Global Entry is a great way to go. And that includes having your TSA PreCheck.

• 25:38Speaker 03

  That is the deal.

• 25:39Speaker 04

  That's the deal.

• 25:40Speaker 03

  The best deal out there. If you travel even infrequently outside the United States, having Global Entry coupled with PreCheck is absolutely the smart money. And if you have any travel cards,

• 25:56Speaker 04

  They usually pay for it.

• 25:57Speaker 03

  They'll almost certainly pay for your five year Global Entry.

• 26:00Speaker 04

  So you think it's worth it to have PreCheck no matter what? Even if you're not a Clear person? Cause the lines will be shorter. Okay, so.

• 26:07Speaker 03

  Clear Plus is only for idiots like me who think an airport is more fun than being in a home. If you're, if you're there all the time, being able to just go fully automated to the belt, it's really great. Now, do you know that in certain airports like LA, Atlanta? I think, I'm trying to remember which other airports. Do you know about the private escorted thing?

• 26:35Speaker 04

  I've heard of it. Yep.

• 26:36Speaker 03

  Oh.

• 26:37Speaker 04

  I'll never be in it, but I've heard of it.

• 26:40Speaker 03

  I have a relative who used it, got a free pass to it because they were trying to sell it to him.

• 26:45Speaker 04

  Explain what it is.

• 26:46Speaker 03

  You go to a little separate area of an airport. You go through private security and then they drive you to the airplane door across the tarmac.

• 26:59Speaker 04

  Often in like a Porsche SUV or something like that.

• 27:02Speaker 03

  Yeah, how about that? Do you know what that costs?

• 27:05Speaker 04

  No.

• 27:06Speaker 03

  It's a couple of thousand dollars.

• 27:08Speaker 04

  Wow, okay.

• 27:09Speaker 03

  Per trip. I'm not doing that.

• 27:13Speaker 04

  No way. Okay, Mara in Ohio says, what are the best accounts for an 18 year old to invest in a Roth IRA?

• 27:20Speaker 03

  Vanguard or Fidelity, maybe Schwab, but definitely Vanguard or Fidelity at 18. You open a Roth IRA, it's going to be ultra low cost. Vanguard, basically the lowest cost of all, ultra easy to do. The advantage of Fidelity or Schwab over Vanguard is if you want the human relationship of being able to go into a branch. Fidelity and Schwab have branches all over the country. Vanguard, everything's done online. 18 year olds usually prefer online to having to talk to a human. So on Clark.com, I've got the info that explains how to set up a Roth,

• 28:05Speaker 03

  what I recommend unless you're just crazy knowledgeable about investing, what you put the money on. And Mara, I promise, the 18 year old can have the account up, running and funded in under 10 minutes.

• 28:21Speaker 04

  Wendy in California says, I recently sold an item on a reselling platform. The buyer wanted to use a payment app and I agreed to let her use Venmo. She sent me a payment request for $1 to verify that she had the correct account. I didn't send her the $1, but I did receive the request. This is a way to verify that you have the correct account without sending any money. It seems like this would also work for Zelle or Cash App.

• 28:46Speaker 03

  Yeah, so this is such a good point because there are times where somebody just puts in the wrong digit, who knows what, and they send money to the wrong person. And if you look on Venmo or Cash App, I don't know what Zelle says about this, but they both talk about how to verify that you're sending to the right person when you add somebody new to Venmo or Cash App. And if you want to use big bad Zelle, I guess they have some kind of procedure too. But anyway, one of the ways that Venmo recommends is a little different than what you said

• 29:28Speaker 03

  with the buyer sending you a payment request. There's a way they send a small amount of money. You verify you received it, then they know they have the right person and you're good to go. So it's really, really smart of this buyer to go through steps with you to verify that they had the right place they were sending. Think about the bad scenario. They make a mistake, send the money to the wrong person. There's no system or procedure with these payment apps to reverse and get that money back. The person who got it has ill-gotten gains. Now, if they're a really honest person and they send the money back, fantastic.

• 30:14Speaker 03

  But that's a big if, because they have received the money and the law does not recognize a procedure for you to get that money back. So someday we'll come up with a good system like Brazil has, which is the best payment system in the world. And we won't have to worry so much about this kind of thing going on. But that's someday. And I hope that you're having a great day. And you know what's coming up? Friday, Clark stinks. So I hope you tune in and join us for that. And know that we are here to serve you so many different ways.

• 30:58Speaker 03

  Clark.com, Clarkdeals.com, our social media, our newsletters. If you live in a market that I'm on the news on television, you get to see me that way every day or hear me in morning drive or evening drive on radio. The idea is to reach you wherever you want to be reached with content that serves you. And what's key to serving you? Information that you can act on, that empowers you so you can save more, spend less and never, never, never, not ever get ripped off. And see you Friday.

• 31:42Speaker 01

  Your sausage McMuffin with egg didn't change, your receipt did. The sausage McMuffin with egg extra value meal includes a hash brown and a small coffee for just $5, only at McDonald's for a limited time. Price and participation may vary. Promotion pricing may be lower than meal pricing.

• 31:57Speaker 02

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