Understand your options when the insurance company makes a lowball injury settlement offer, and see a claimant's sample response letter. Victims who want to respond to a low settlement demand offer must use factual information, persuasive arguments, and a professional tone.If you decide to reject the settlement offer, you'll need to do so in writing. You can and should challenge the offer you receive with the aid of an experienced personal injury lawyer. Click on the link(s) for the forms you'd like to download.