Usually an insurance company. According to the Insurance Law of People's Republic of China (PRC), an insurance contract is an agreement between the insured and the insurer to stipulate the insurance rights and obligations. According to the insurance contract, it is the insurer's basic right to collect insurance premiums, and it is the insurer's basic obligation to compensate or pay insurance premiums. Accordingly, it is the basic obligation of the insured to pay the insurance premium, and it is the basic right of the insured to claim compensation or pay the insurance premium. Insurance claim process: 1. If there is an insurance accident, you should report it to the insurance company in time, and send the relevant information to the insurance company by yourself or others. 2. After receiving the materials, the claims department of the insurance company will immediately file a case. In case of major accidents or suspicious accidents, special personnel will be assigned to investigate. 3. Investigators conduct investigations as needed. 4. The adjuster examines the materials, determines whether the accident falls within the scope of insurance liability, and calculates the compensation amount. If in doubt, you can still send someone to investigate. Make a conclusion of compensation. 5. The adjuster will report the audit opinions and conclusions, which will be signed by a special person and closed after examination and approval. 6. Notice of receiving compensation or other written notice. Legal basis: Article 10 of People's Republic of China (PRC) Insurance Law is an agreement between the insured and the insurer on insurance rights and obligations. The applicant refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium according to the contract. An insurer refers to an insurance company that has entered into an insurance contract with the applicant and is liable for compensation or payment of insurance benefits according to the contract.