Understand your options when the insurance company makes a lowball injury settlement offer, and see a claimant's sample response letter. Sample Letter Template for Rejecting a Low Settlement Offer​​ Claim Number: Date of Injury:If you decide to reject the settlement offer, you'll need to do so in writing. Never accept the first offer an insurance company may offer you. This is just the opening offer in what should be a series of negotiations. HONORABLE CARLOS LOPEZ: Or not? Just let me give you an example. Historical Note Sec.