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. I crafted a demand letter, from a combination of many templates I found online. Edit, sign, and share letter to decline offer online. No need to install software, just go to DocHub, and sign up instantly and for free. You do not pay our attorney's fees out of pocket. I filed a TORT claim 6 yr's ago and have not heard a word after their letter stated it may be yr's to get payed up. I. Lawyer's Assistant chat img. Last year, the OBC chose once again not to fill a position vacancy among its attorneys.