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Citations for road rage, such as reckless driving, can increase insurance premiums by 51%.

The average coverage gap was 350%, meaning more than three-quarters of the cyberattack was not covered.

The decision will affect 12,556 policies with premiums of $11.3 million.

Healthy Paws launched in 2009 and currently covers more than half a million dogs and cats in the U.S.

Around 13% of California homeowners worry about losing coverage, according to real estate site Redfin.

The results underscore the industry's ongoing hard market conditions.

The four face up to 10 years in jail if convicted on all charges.

Insurers now issue stricter policy language and insert more sub-limits and exclusions into cyber coverage.