Attorneys will make no settlement of clients' claims without clients' consent. 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." In this guide you will learn: What is an insurance demand letter, How to write a demand letter, How much to ask for in a settlement demand letter. Provide a clear explanation of why you are rejecting the offer and include any supporting evidence that backs up your position. By taking their offer, you agree not to file a lawsuit in the future.