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Tell them you expect to get compensated at least reasonably in line with what you're worth. Also tell 'em you don't want to take it, then be quickly jumping to something else because the offer elsewhere is far too good to refuse, and greatly exceeds their 'policy' limits.
Be sure you send your letter to the appropriate person, whether that be an insurance adjuster or an attorney. Make it clear that you are rejecting their initial offer and include your reasons for doing so. If they provided written reasons for their low initial figure, you should also respond to those in writing.
Rejecting the first compensation offer is often a wise decision, especially if it feels rushed or doesn't account for the full scope of your injuries and potential long-term expenses. Many initial offers address only immediate costs, allowing insurers to settle quickly while minimizing their payout.
Once your solicitor is in possession of all the required evidence, they will assess the adequacy of the offer against your pain and suffering, as well as your actual and potential losses. If the amount detailed in the offer is inadequate, your solicitor will likely advise you to reject the compensation offer.
I am writing in response to the settlement offer you presented on Settlement Offer Date, related to claim number Claim Number for the incident that occurred on Incident Date. 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.
name of claims adjuster, I received your letter dated date of written settlement offer. I have reviewed your letter very carefully, including your settlement offer. Unfortunately, I cannot accept your offer for the reasons discussed below.
To properly reject an insurance settlement offer, you must communicate the rejection in writing through a formal demand letter. This letter should clearly state the reasons for rejecting the offer, such as it not providing maximum compensation for the damages incurred.
Countering a Low Insurance Settlement Offer State that the offer you received is unacceptable. Refute any statements in the adjustor's letter that are inaccurate and damaging to your claim. Re-state an acceptable figure. Explain why your counteroffer is appropriate, including the reasons behind your general damage demands.
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Sample Letter Rejecting Settlement Offer Without Prejudice Template In Georgia