To reject the initial offer, you will create a counteroffer and send it via mail to the insurance company claims adjuster. It's crucial to have a legal representative to navigate this process.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. Looking for a sample nonengagement letter? We've created a guide to non-representation letters and also included a sample letter. When you decline an offer from an insurance company, it is an opportunity to commence settlement negotiations. Attorneys will make no settlement of clients' claims without clients' consent.