Rejecting a settlement letter could either lead to further negotiations or to a courtroom trial where you seek a jury award for your losses. Considering rejecting an insurance offer?Here's how it can impact your claim. 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." There are ways to analyze the first offers, calculate the settlement value, and seek legal assistance from your personal injury attorney. Palm Beach, County of, Florida. 300. Special thanks to NLG Jailhouse Lawyer Vice President Mumia Abu-Jamal. Provide a clear explanation of why you are rejecting the offer and include any supporting evidence that backs up your position.