This article delves into the complexities of such a decision, the subsequent steps, and the importance of informed legal guidance throughout the process. 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. Accident victims who accept insurance settlement offers without consulting a LA personal injury attorney could receive much less compensation for their damages. Prepare a Written Response: Draft a formal written response, clearly stating your decision to decline the settlement offer. Sample Letter Template for Rejecting a Low Settlement Offer​​ Claim Number: Date of Injury: If you decide to reject the settlement offer, you'll need to do so in writing.