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.Understand your options when the insurance company makes a lowball injury settlement offer, and see a claimant's sample response letter. They will acknoledge that they received your letter and, most likely, reject your claim or offer a much lower settlement. Do not accept their first offer. View on Westlaw or start a FREE TRIAL today, § . Letter to Client Recommending Rejection of Settlement Offer, Legal Forms. Can I File a Lawsuit Instead? Once the insurance company makes its highest offer, it is up to you to accept or reject it. Since some injuries take time to manifest symptoms, seek immediate medical treatment if your body suffered any impact in the accident.