It's essential to respond in writing, not verbally, if you receive a low settlement offer. I looked back at some rejection letters I sent and realized that I usually follow a pretty simple format: Say thanks.Visit our post to learn more! Understand your options when the insurance company makes a lowball injury settlement offer, and see a claimant's sample response letter. Injured persons should not accept settlement offers before reaching MMI because the full impact of their injuries isn't yet known. Sample Rejection Letter for a Low Settlement Offer. If you disagree with the offer, you can decline it. However, rejecting a settlement offer isn't as simple as saying, "Sorry, I won't accept it." A denial letter is a letter you write rejecting an employee's request. The first thing to know here is that insurance adjusters have the insurance company's interests in mind.