解决保险合同纠纷一般用仲裁或诉讼方式 ,但多年来基本上都是用诉讼方式而忽视了仲裁方式。其实无论是对被保险人 ,还是保险人 ,解决保险合同纠纷 ,仲裁优于诉讼 ,在实际工作中应推行用仲裁方式解决保险合同纠纷 Arbitration or litigation methods are generally used to settle disputes over insurance contracts, but arbitration methods have been neglected in litigation for many years. In fact, both the insured and the insurer, the settlement of insurance contract disputes, arbitration is superior to the lawsuit, in practice, should promote the use of arbitration to resolve insurance contract disputes