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Consumers

When it comes to scammers, they are always looking for their next prey. They always look for opportunities to scam someone in a vulnerable position. Their prospect could be someone alone with bad health, someone who just got into a car accident, or other situations.

Insurance Scams

One main scam that has run rampant in London and is progressively spreading in the U.S. is insurance scams. Scam artists will present themselves as legitimate insurance agents to people.

In London, for instance, scammers -- aka ghost brokers -- could easily trick people who are unaware of these scams. The reason for this is because most insurance companies there don't work with direct insurance carriers. In fact, only 42 percent of the reported 110,400 employed underwriters in 2018 worked with direct insurance carriers.

How These Scammers Operate

Perpetrating as insurance agents, these scammers attract potential clients by showing them bogus claims concerning getting very affordable insurance rates and other savings. They will usually advertise the very affordable insurance on messaging apps or social media sites.

They may also apply for a legit insurance policy in your name and take your premium payments. And shortly after, they will cancel the policy. All of these actions will be done without you knowing it.

Car Repair Scams

There are also a plethora of car repair scams out there. Mainly, these scams include the mechanic telling customers they need car repairs that are not needed. And as a result, the customer's car repair bill would be significantly higher with bogus charges.

These types of scams have been around for ages. However, now scammers have taken car repair scams to another level. The following includes a plethora of unneeded car repairs that scammers use:

  • Car filter replacement- a mechanic may try to convince you of a so-called critical change by showing you a slightly dusty cabin filter. It is important to replace your car filter routinely. However, changing this car part is usually not an immediate concern for the function of your car.
  • Getting all flat tires replaced- before buying an expensive tire or two, take a good look at your tires. As long as there is no puncture on the side wall and the treading is still good enough for a little while, your car is fine.
  • Engine Flushes- sometimes engine flushes are required. Sometimes, you may need to use an engine oil cleaner and conditioner.
  • New Brakes- a common upsell is for car repair shops to use fear of bad brakes to persuade customers to get new brakes.
  • Charging Double- another common scam is for unscrupulous mechanics to charge for multiple jobs that are done at the same time. The extra charges could come from the number of hours worked. It also could come from doing extra labor for jobs that are not needed.
  • Broken axle boots- there are unscrupulous mechanics who will go as far as to cut a rubber boot. There is a difference between a cut rubber boot and a natural boot tear.
  • Fluid flushes- other unnecessary upselling includes power steering, transmission, coolant fluid flushes.
  • Tricks behind a complimentary car wash- swirl marks/scratches may magically appear after a free car wash that were not there before. Then, their hope will be for you to spend more at their shop to fixed those marks.
  • Other scams with similar MOs as mentioned above- this could be overcharging parts, timing belts, transmission service, and no actual part replacement.

How To Avoid Being A Victim

To avoid becoming an insurance victim, you must check with the state insurance department to see if they are legit. Another thing you can do is to pay attention to red flags in their selling pitch. A clear example of a scam is the so-called agent asking for payment upfront or cash-only payments.

You also can ask them an insurance-related question to determine their legitimacy and insurance knowledge. For example, you can ask them about commercial insurance if they claim they sell it, like the premiums, for an online store and traditional store. Say you know that a piece that costs maybe $5 to make could carry a 5,000 percent premium at the retail counter. You also know that online stores typically have lower premiums. If the so-called insurance agent trips up on the answer, then you know you may be dealing with a scam artist.

When it comes to car repairs, you should check with other, more trusted mechanics to get a second opinion about car repairs. You should also check online reviews, and you can find out information online from legitimate sources about car repairs.

So, when you find out that some thermoplastic materials are lightweight, with densities of .9 to 2 gm/cc, you can ask the mechanic a question relating to car doors. If the mechanic says that the door is extremely heavy, you caught the mechanic in a lie.

There will always be scammers in the world, and they seem to get craftier with their schemes. Nevertheless, taking head to these tips above will help you significantly.

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Oral health and overall health are closely linked. Visiting your dentist can help make sure that your teeth are bright, white, and cavity-free. However, these visits also help take care of your gums, preventing and treating gum disease. Regular cleanings and periodontal treatment can help lower the risk of developing serious health issues connected to poor oral hygiene.

Many health conditions are either worsened, caused by, or connected to gum disease, including these:

Fevers From Infection

A normal fever can spike between 100.4 F and 104 F. A fever can be caused by an infection anywhere in the body, including your mouth. If you develop an abscess or other infection due to poor oral hygiene, you may find yourself with a fever, pain, and other severe symptoms. This may be a medical emergency. Reach out to a dental professional as soon as possible, or visit your local emergency department if you can't keep the fever under control with over-the-counter medication. Many dentists' offices keep emergency appointments available for these types of situations, as well.

Cardiovascular Disease

All orthodontists are trained dentists, but only five percent of trained dentists are also educated as orthodontists. No matter which type of professional you see, it's vital that you manage your oral health regularly in order to stay healthy overall. Bacterial infections in the gums that cause gingivitis and periodontal disease can get into the bloodstream and have a dramatic effect on the heart. There's strong evidence correlating poor oral health to blood clots, heart attacks, and stroke. If you have a history of cardiovascular issues in your family, pay special attention to your oral health so that you can prevent these issues.

Erectile Dysfunction

Around 30 million men in the U.S. are affected by erectile dysfunction symptoms. Men with severe gum disease are twice as likely to suffer from erectile dysfunction, compared to those with healthy teeth and gums. Spending more time daily on your oral hygiene routine may help improve your overall oral health, but it may also help reduce the symptoms of ED. If you're struggling with one or both of these conditions, it may be worth considering additional oral health measures to see if you can improve the situation. Talk to your doctor and dentist about the issues that you're experiencing, as they may be able to work together on a treatment plan.

Diabetes

Diabetic patients are more prone to infection from gum disease, which can then spread to other locations in the body. In addition, uncontrolled gum disease can make blood sugars harder to control. If you're diabetic, it's especially important that you make regular appointments with your dentist. Proper oral hygiene can make it easier to keep your blood sugar in check and help you stay healthier overall. Otherwise, you may find that you're carefully cooking your meals, exercising, taking your medication, and your blood sugars are still out of control. Speak to your dentist about the fact that you're diabetic so that they can include this in your overall treatment plan.

It's easy to put off going to the dentist for a cleaning, assuming that it's not an important part of your overall health care. However, oral health is actually an extremely important part of your overall health. Neglecting these trips to the dentist can worsen your diabetes, lead to severe medical crises, cause issues with your heart, or even contribute to erectile dysfunction symptoms. Schedule an appointment for an initial cleaning and overall evaluation with a dentist near you today, so that you can take care of your gums, your teeth, and your entire body.