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."Understand your options when the insurance company makes a lowball injury settlement offer, and see a claimant's sample response letter. If you decide to reject the settlement offer, you'll need to do so in writing. A reasonable counteroffer is a key component of your rejection letter that you must include for the insurance adjustor to increase your settlement. Provides that the client's refusal to accept a settlement offer will result in the attorney's receiving a higher percentage of the recovery. I have reviewed your letter very carefully, including your settlement offer. Unfortunately, I cannot accept your offer for the reasons discussed below. This manual is intended to assist persons who are involved in the administration of a decedent's estate in Virginia. This publication links to a nonfederal resource in order to provide additional information to consumers.