SunCar operates a cloud and AI-powered digital platform connecting enterprise customers, insurance companies, service providers, and consumers in the Chinese auto ecosystem. The company generates revenue through three core segments: auto eInsurance (earning commissions on insurance premiums sold through a nationwide network of partners and branch locations), auto services (charging enterprise customers fees for access to a network of third-party service providers offering maintenance, concierge, and VIP services), and technology services (monetizing its proprietary platform through software licensing and SaaS partnerships with major EV manufacturers). SunCar benefits from cross-selling synergies across its segments and is positioned to capture growth from China's shift toward electric vehicles and the increasing integration of AI technologies into vehicle ecosystems.