Always reject a settlement offer in writing. Type a letter to your contact at the insurance company listing the reasons you think that their offer is too low.Learn "do's and don'ts" of returning rejected offers, and some options for dealing with rejecting multiple offers on a property. Victims who want to respond to a low settlement demand offer must use factual information, persuasive arguments, and a professional tone. Use this letter to help you negotiate a full and final settlement offer with a creditor. If you want to see if you qualify for an offer in compromise before filling out the paperwork, you may use the Offer in Compromise (OIC) Pre-Qualifier tool.