This is a sample letter seeking a reduction in a medical lien. I have reviewed your letter very carefully, including your settlement offer.Unfortunately, I cannot accept your offer for the reasons discussed below. 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. Understand your options when the insurance company makes a lowball injury settlement offer, and see a claimant's sample response letter. Rebuttal of insurer's reasons for denial: Directly address each of the reasons the insurance company provided for denying your claim. The last thing the insurance adjuster wants is to have to defend a lawsuit filed against their insured. Death or removal of fiduciary. 2). 6. The initial demand letter offers the provider or supplier the opportunity to apply for an.