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.
Youâve got to check the latest insurance rates and make an informed decision. According to the Insurance Information Institute, a $1 million umbrella policy typically costs between $150 to $300 a year. Each incremental $1 million dollars of personal liability insurance costs on less and les.