Company: SDAWW
Filing Date: 2025-04-28
Form Type: 20-F
Source: 0001213900-25-036086
Chunk: 128

Company: SunCar Technology Group Inc.
Filing Date: 2025-04-28
Form: 20-F
Item: Item 5
Chunk 128
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 is allocated and implemented by their insurer branches.

Our auto services business

Through our digital platform
we integrate the service capabilities of over 48,000 auto service providers to provide customized service solutions for our enterprise
customers. Our enterprise customers purchase these service solutions for their customers, who are members of the reward and customer loyalty
programs of our enterprise customers. Via a simple plug-in connection into their own systems, our enterprise customers can indicate their
current needs and budgets on our platform, which generates flexible and customized service solutions which vary by type, price, scale,
locations, terms and durations of services. Our dedicated operations team helps our auto service providers reach clients in real time,
around-the-clock, at all of our business locations.

Our auto service solutions
include both regular, high frequency, drop-in services as well as one-time, reserved services. The former includes car wash, oil change,
car beauty, tire change and other regular auto maintenance services. The latter include flight pickup, driver service, road assistance,
and car overhaul services. These services are performed by the auto service providers connected to our digital platform, over 48,000 big
and small businesses and individuals in the auto service industries. As regulated by the PRC laws, the auto service providers are liable
for tort claims for any damages arising from their services, while our enterprise customers are also liable for contractual claims by
their end customers for any damages arising from the services of the auto service providers.

Our auto services create value
for both our customers and auto service providers. The auto market in China is highly fragmented, complex and localized, with non-standard
quality specifications. Demands from end customers are specific and dynamic. Based on our auto service providers’ feedback to us,
without our intermediation, they often suffer from insufficient and unpredictable order flow. Our one stop auto solution connects our
customers with full spectrum services covering all the 33 provinces in China, while we provide quality standard supervision, data security
and on-demand flexibility. Based on our past experience, our business scale and order volume has provided us with bargaining power versus
auto service providers, which has enabled us to enforce our uniform standards of service quality, cost efficiency, and on-demand flexibility.
Our smart order distribution system automatically matches each instance of a client’s service need to the best auto service provider
for the job, and record the client’s feedback after the service for a sustained, accurate and fair rating system.

We had over 1,400 clients
using our services in 2024, generating