Now for the fun part about morgans start looking  for die variations.    Some of the ones you have had quite a few. The 1889 looks like it may be a high 9 date or slanted date.
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I see that you, too, have been bitten by the Morgan dollar bug! Welcome to the club!

As to the die crack, that is indeed the proper terminology in English. One of the characteristics of a die crack is that it leaves a raised mark on the coin. The die is a mirror image of the coin's face, and the raised areas of the coin are made by recessed areas of the die. Therefore, if the die has developed a crack, it leaves a raised mark on the coin.

Since your image seems to have been made with direct lighting, it is difficult to tell whether the mark next to the "U" is raised or lowered. But since it continues to the edge of the coin, it might very well be a die crack.

Here is an example of a coin I have (an old Russian rouble) with LOTS of die cracks:
L I N K
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A friend wanted to go to an auction and asked me whether he should look for some coins for me. So I told him he should bid on the 1921-S Morgan Dollar. The price was 15 Euro, but nobody wanted the coin, so he screamed into the hall : "10 euros and I will buy it". And he bought it for 10 euros + some fees or something like that. Next week on the local coin show he will give me the coin, and I believe 12 euros for this coin are really cheap, aren't it? 

@bobh PS: Du kannst deutsch wenn du in der Schweiz wohnst oder?
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I doubt that you would make any money.
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