A reasonable counteroffer is a key component of your rejection letter that you must include for the insurance adjustor to increase your settlement. Sample forms and checklists for attorneys.It's easy to get started with these templated resources. First, the lawyer will let the other party know that you reject their initial offer and want a better one. 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." Understand your options when the insurance company makes a lowball injury settlement offer, and see a claimant's sample response letter.