If the adjuster starts off with a ridiculously low settlement offer, ask them to justify it. Take notes of each of the reasons and then respond in writing.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. Victims who want to respond to a low settlement demand offer must use factual information, persuasive arguments, and a professional tone. Client agrees to consider any settlement offer Attorneys recommend before making a decision to accept or reject such offer. To properly reject an insurance settlement offer, you must communicate the rejection in writing through a formal demand letter. The first step in rejecting a low settlement offer is to write a letter to the insurance company stating the rejection.