If you decide to reject the settlement offer, you'll need to do so in writing. Understand your options when the insurance company makes a lowball injury settlement offer, and see a claimant's sample response letter.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. A settlement demand letter is a written request to the party responsible for your injury or loss to pay you a fair amount of money without going to court. I crafted a demand letter, from a combination of many templates I found online.