Understand your options when the insurance company makes a lowball injury settlement offer, and see a claimant's sample response letter. If the offer is unacceptably low, you can reject it outright, but it is often more effective to make a counteroffer.You can and should challenge the offer you receive with the aid of an experienced personal injury lawyer. 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." I crafted a demand letter, from a combination of many templates I found online.