Not necessarily - they could be self-insuring. Given their historical chargeback data, they've got a fairly good amount of information about how much money it w

Not necessarily - they could be self-insuring. Given their historical chargeback data, they've got a fairly good amount of information about how much money it would cost them to eat chargebacks. Lyft may suspect that they're getting their money's worth in terms of non-pay driver compensation, loyalty, and marketing.