Understand your options when the insurance company makes a lowball injury settlement offer, and see a claimant's sample response letter. 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." Defendant sought to vacate the arbitrator's award and enforce the settlement agreement. Sample Letter Template for Rejecting a Low Settlement Offer​​ Claim Number: Date of Injury: Make it short and sweet; "Due to unforeseen circumstances I must decline the offer I previously accepted. I regret to inform you that I am unable to accept this offer. If you decide to reject the settlement offer, you'll need to do so in writing. The court has placed the most commonly used forms on line as a resource. Please be advised that the forms detailed below are intended to be a guide.