I looked back at some rejection letters I sent and realized that I usually follow a pretty simple format: Say thanks. Understand your options when the insurance company makes a lowball injury settlement offer, and see a claimant's sample response letter.Sample Rejection Letter for a Low Settlement Offer. I have reviewed your letter very carefully, including your settlement offer. Unfortunately, I cannot accept your offer for the reasons discussed below. 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. No information is available for this page.