The figure you offered is insufficient in light of the facts of the case. You claimed that I was as much at fault in the accident as your insured.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. Simply send a very short letter advising of the accident, when and where it happened, and that you were injured. Send a demand letter. At the beginning of a claim, it is best to reject the settlement offer in writing. It's crucial to have a legal representative to navigate this process.