Victims who want to respond to a low settlement demand offer must use factual information, persuasive arguments, and a professional tone. This is a letter that I may use if I represent a client who is injured in an accident and I want to get his or her hospital bills reduced.This letter should clearly state that the initial offer is unacceptable and refute any inaccuracies in the insurance adjuster's statements. Understand your options when the insurance company makes a lowball injury settlement offer, and see a claimant's sample response letter. If your insurance claim is denied, the next step should be an appeal. Do not agree to record a statement and do not say yes to a settlement offer without first discussing it with a personal injury attorney. For example, Jenny is being sued in Florida for a credit card debt. She is served the court Summons and Complaint on March 11th, a Friday.