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." The first step in rejecting a low settlement offer is to write a letter to the insurance company stating the rejection. 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. The letter should explain how and where they can pick up their file and should give a time deadline for doing this. I have reviewed your letter very carefully, including your settlement offer. Unfortunately, I cannot accept your offer for the reasons discussed below. Rejecting an initial offer does not mean the end of settlement negotiations.