Learn how to write a medical bill dispute letter and avoid paying more than you need to for medical procedures. You or your personal injury lawyer will need to draft a formal business letter that makes a case for your counteroffer.Remain calm and professional when responding to a low personal injury settlement offer. You can reject it and renegotiate. Considering rejecting an insurance offer? Here's how it can impact your claim. These sample letters can be used in various circumstances you may encounter that require you to communicate with insurance companies. Victims who want to respond to a low settlement demand offer must use factual information, persuasive arguments, and a professional tone. Here is a template for a medical bill negotiation letter to help you write yours and successfully decrease your medical debt. Sample Rejection Letter for a Low Settlement Offer.