Victims who want to respond to a low settlement demand offer must use factual information, persuasive arguments, and a professional tone. Understand your options when the insurance company makes a lowball injury settlement offer, and see a claimant's sample response letter.This is a sample letter seeking a reduction in a medical lien. After careful consideration, I must reject this offer as it does not meet my needs based on the severity and ongoing nature of my injuries. Some health insurance policies require you to pay back the health insurance company for your medical bills once you reach a settlement for your car accident. This is the most comprehensive guide to pain and suffering settlements online. This manual is intended to assist persons who are involved in the administration of a decedent's estate in Virginia. These forms may be filled out online and printed for filing. A copy of this form and a sample form is also included with this guide. 2. Unpaid medicals bills out of his or her WC settlement.