If you decide to reject the settlement offer, you'll need to do so in writing. Always respond to a low settlement offer in writing rather than over the phone or in person.Victims who want to respond to a low settlement demand offer must use factual information, persuasive arguments, and a professional tone. Attorneys will make no settlement of clients' claims without clients' consent. That is basically a request for me to reject a settlement opportunity; decline it kindly, and with appreciation. Reserve your insulting comments. Understand your options when the insurance company makes a lowball injury settlement offer, and see a claimant's sample response letter. Guidelines for Employees Filing a Case Without an Attorney; IC04 Notice of Motion and Order (rev. Writing a settlement demand letter is not easy. They can't make the other party pay you an unreasonable amount of money.