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.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." If you need help filling out the forms or need advice on your case, you could visit a legal advice clinic or find a lawyer on your own. Victims who want to respond to a low settlement demand offer must use factual information, persuasive arguments, and a professional tone. 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. I have reviewed your letter very carefully, including your settlement offer. Unfortunately, I cannot accept your offer for the reasons discussed below.