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.I crafted a demand letter, from a combination of many templates I found online. You'll often need to reject and counter a settlement offer in personal injury cases. Learn how to do it and what factors to consider. Typically if you have been served with a creditor's summons, it does not come as a shock. Submit a sample representative letter along with a distribution list of the firms solicited. Click on the link(s) for the forms you'd like to download.