If you reject a settlement offer, or fail to keep up with a payment arrangement, your creditor might take you to court. Sample Rejection Letter for a Low Settlement Offer.Understand your options when the insurance company makes a lowball injury settlement offer, and see a claimant's sample response letter. I looked back at some rejection letters I sent and realized that I usually follow a pretty simple format: Say thanks. Victims who want to respond to a low settlement demand offer must use factual information, persuasive arguments, and a professional tone. I have reviewed your letter very carefully, including your settlement offer. Unfortunately, I cannot accept your offer for the reasons discussed below. If you decide to reject the settlement offer, you'll need to do so in writing. "yes" or "no" response. Welcome to the Department of Human Services' Applicant Tracking System!