Always reject a settlement offer in writing. Type a letter to your contact at the insurance company listing the reasons you think that their offer is too low.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. Use our sample demand letter to draft your letter. When you reject a settlement offer, it does not mean the end of your legal options. It can be a strategic move to negotiate for a more favorable outcome. The first step in rejecting a low settlement offer is to write a letter to the insurance company stating the rejection. Considering rejecting an insurance offer?