To properly reject an insurance settlement offer, you must communicate the rejection in writing through a formal demand letter. A nonengagement letter informs prospective clients that the attorney will not be representing them.Sample forms and checklists for attorneys. It's easy to get started with these templated resources. We recommend that you reject the offer in writing rather than over the phone. Provide a clear explanation of why you are rejecting the offer and include any supporting evidence that backs up your position. Click on the link(s) for the forms you'd like to download. The first thing to know here is that insurance adjusters have the insurance company's interests in mind. They're not looking out for your best interests. Refrain from making any personal insults attacking the claims adjuster.