That's called a hangnail. It's kind of a funny name, because it's really your skin that tears, not the nail. Hangnails are really common. But they still can hurt. And, if germs get in there, the skin can get infected.
For example, if you have $500,000 in liability insurance on your auto policy and a $1-million umbrella policy, youâll have a total of $1.5 million in liability coverage. If youâre looking for extra cash to afford the umbrella policy, Howard recommends raising your auto-and homeowners-insurance deductibles.
1 Personal umbrella policy: Offers protection against liability claims or judgments, kicking in when your auto insurance liability limits have already been reached. 2  Rental reimbursement: Helps cover the cost of renting a car if your vehicle is in the shop because of an accident covered under your policy.