Understand your options when the insurance company makes a lowball injury settlement offer, and see a claimant's sample response letter. This article delves into the complexities of such a decision, the subsequent steps, and the importance of informed legal guidance throughout the process.This written notification is often called your "right to sue letter. All ADR processes offer a partial or complete alternative to traditional court litigation for resolving disputes. Victims who want to respond to a low settlement demand offer must use factual information, persuasive arguments, and a professional tone. A sample confirming letter is shown below. You can follow this format for almost any important (or seemingly important) piece of information. If you decide to reject the settlement offer, you'll need to do so in writing.