Understand your options when the insurance company makes a lowball injury settlement offer, and see a claimant's sample response letter. 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." Discover what happens if you reject a settlement offer in West Palm Beach, FL. Learn about injuries, claims, and litigation steps. If the other party rejects the offer, they must do so in writing and state the reasons for their rejection. Write a Rejection Letter. Victims who want to respond to a low settlement demand offer must use factual information, persuasive arguments, and a professional tone. If you decide to reject the settlement offer, you'll need to do so in writing. To reject the initial offer, you will create a counteroffer and send it via mail to the insurance company claims adjuster. Use this printable attorney letter to reject a settlement offer.