You can reject an insurance settlement offer if you believe it is inadequate to cover your losses. Remain calm and professional when responding to a low personal injury settlement offer.You can reject it and renegotiate. This article delves into the complexities of such a decision, the subsequent steps, and the importance of informed legal guidance throughout the process. Find out what happens if you refuse a settlement offer and how a personal injury lawyer can assist you in fighting for fair compensation. I looked back at some rejection letters I sent and realized that I usually follow a pretty simple format: Say thanks.