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.Discover the consequences of what happens if you don't accept a settlement. Learn how to navigate failed settlement talks effectively. We are not charging you for review of your case, as we have declined to represent you and are not expressing an opinion as to the merits of your case. Understand your options when the insurance company makes a lowball injury settlement offer, and see a claimant's sample response letter. Why Write a Settlement Demand Letter? A reasonable counteroffer is a key component of your rejection letter that you must include for the insurance adjustor to increase your settlement. IC32 Notice of Rejection of Settlement Contract (rev. Learn how to improve your odds of acceptance the next time.