Understand your options when the insurance company makes a lowball injury settlement offer, and see a claimant's sample response letter. Upon rejecting an initial settlement offer, the next step involves drafting and presenting a counteroffer.Your counteroffer likely demands a higher sum. I looked back at some rejection letters I sent and realized that I usually follow a pretty simple format: Say thanks. Victims who want to respond to a low settlement demand offer must use factual information, persuasive arguments, and a professional tone. If you received a low settlement offer, it's important to know how to respond. The following steps can be helpful in doing this. 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." I have reviewed your letter very carefully, including your settlement offer.