Victims who want to respond to a low settlement demand offer must use factual information, persuasive arguments, and a professional tone. After careful consideration, I must reject this offer as it does not meet my needs based on the severity and ongoing nature of my injuries.This is a sample letter seeking a reduction in a medical lien. Understand your options when the insurance company makes a lowball injury settlement offer, and see a claimant's sample response letter. Our car accident lawyers provide a full guide to help you decide if you should accept the insurance company's offer after your crash.