The first step in rejecting a low settlement offer is to write a letter to the insurance company stating the rejection. 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. If you disagree with the offer, you can decline it. However, rejecting a settlement offer isn't as simple as saying, "Sorry, I won't accept it." Looking for a sample nonengagement letter? We've created a guide to non-representation letters and also included a sample letter. If you decide to reject the settlement offer, you'll need to do so in writing. Sample forms and checklists for attorneys. It's easy to get started with these templated resources.