Remain calm and professional when responding to a low personal injury settlement offer. You can reject it and renegotiate.Find out what happens if you refuse a settlement offer and how a personal injury lawyer can assist you in fighting for fair compensation. Rejection of a "reasonable" settlement offer will result in the rejecting party paying its opponent's litigation costs. Understand your options when the insurance company makes a lowball injury settlement offer, and see a claimant's sample response letter. Rejecting an initial offer does not mean the end of settlement negotiations. Instead, it's a common step in a longer process. Victims who want to respond to a low settlement demand offer must use factual information, persuasive arguments, and a professional tone. The first step in rejecting a low settlement offer is to write a letter to the insurance company stating the rejection. If you disagree with the offer, you can decline it.