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Lyft's third-quarter earnings were thanks to three key areas - Business Insider

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Delayed spending, fewer promotions, and 'rationalization': How Lyft surprised Wall Street as it continues to gain ground on Uber.

There's one word that ride-hailing executives from Uber and Lyft can't quit saying: rationalization.

Insurance has always been tricky for ride-hailing, as insurers struggle to account for the risk imposed by extra driving miles and the commercial operation of vehicles by individuals working for Uber or Lyft. "I am pleased to report that the cost of insurance required for ridesharing as a percentage of revenue was lower in the third quarter than in the second," he said.

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