AI-generated image concepts for OTTO auto-insurance native ads. North star: replicate the proven "stoplight" winner and find the next one — a single-hero alert / warning image that hijacks an involuntary "check my status" reflex and reads instantly at native thumbnail size.
Boards are ordered by likely in-market strength (top = strongest). The ranking blends the machine "would-it-win-at-thumbnail" score with real-world judgment — a short why sits under each. The two photoreal boards score low by machine but carry the client's clean/real-world preference, so judge those by eye.
Compliance: images only, no text/logos/prices; all pass the client do-not-run line. Full-res on B2.