Understand your options when the insurance company makes a lowball injury settlement offer, and see a claimant's sample response letter. Looking for a sample nonengagement letter?We've created a guide to non-representation letters and also included a sample 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." If you decide to reject the settlement offer, you'll need to do so in writing. What happens if you reject a settlement letter depends on why you have rejected it and where you are in the negotiating process. Respond to the adjuster's offer in writing, whether you are accepting or declining it.