保险标的转让 ,被保险人应当通知保险人 ,经保险人同意继续承保后 ,依法变更合同。而保险实践中 ,被保险人经常忽视履行该法定义务 ,导致保险事故发生后 ,理赔时经常发生纠纷 ,双方各执一词。本文结合具体案例 ,对此类保险合同纠纷中存在的法律问题试作探讨 Upon the transfer of the subject matter insured, the insured shall notify the insurer and change the contract according to law after the insurer agrees to continue the underwriting. In the practice of insurance, the insured often neglects to perform the statutory obligation, resulting in the occurrence of insurance accident, often disputes when settling the claim, the two sides each coherent. Based on the specific cases, this article tries to discuss the legal problems existing in the disputes of insurance contracts