Terms need not be monetary. • Offer must be an offer of complete settlement as to the parties to the offer.Forms ; ADOPT-230, Adoption Expenses ; ADOPT-310, Contact After Adoption Agreement ; ADOPT-315, Request to: Enforce, Change, End Contact After Adoption Agreement. Understand your options when the insurance company makes a lowball injury settlement offer, and see a claimant's sample response letter. The short answer is yes. Of the Court day preceding the hearing. Victims who want to respond to a low settlement demand offer must use factual information, persuasive arguments, and a professional tone. We hope that you find this Handbook helpful, and that it provides some aid in protecting your rights behind bars. Example response and counter-offer letter to an insurance settlement that is too low.