If you decide to reject the settlement offer, you'll need to do so in writing. Always respond to a low settlement offer in writing rather than over the phone or in person.Victims who want to respond to a low settlement demand offer must use factual information, persuasive arguments, and a professional tone. This is a sample letter seeking a reduction in a medical lien. I have reviewed your letter very carefully, including your settlement offer. Unfortunately, I cannot accept your offer for the reasons discussed below. It may pay to reject a settlement offer you receive from an insurance company after an accident. Use our sample demand letter to draft your letter. If you find the offer unacceptable, your attorney can draft a formal letter and propose a counteroffer. Will CMS provide a copy of the original Settlement Offer letter?