About one in four people think it’s okay to cheat their homeowner or auto insurance company. Clark is stunned by that news. He has dealt with insurance representatives who assume that most people who submit claims are being dishonest. But maybe they have a reason to be cynical about it. The sad part is that when something legitimate happens, you’ll be guilty until proven innocent. In Britain, insurance agents are using voice recognition software to determine if you are lying. The caller is withdrawing one out of every eight claims, as a result. It’s so valuable to insurers that they are paying as much as $35 per phone call. The software found that about 70 percent of people were telling the truth, meaning that 30 percent were being dishonest. But when the agents checked further, they found that one third were actually telling the truth. So, the system should be used as a fact checker, not as an ironclad system. So what is happening in the States? Two insurers - one in California and one in Illinois - are about to start testing the software on customers. The industry is not revealing which companies those are, but in many states insurers have a right to record you without your knowledge. So in these “one party states,” you could be tested and not know it. So, don’t lie!