Instead, you have to write a formal letter rejecting the settlement. Victims who want to respond to a low settlement demand offer must use factual information, persuasive arguments, and a professional tone.Understand your options when the insurance company makes a lowball injury settlement offer, and see a claimant's sample response letter. Rejecting a settlement offer signals to an insurer that you will advocate for a fair settlement value that matches your losses. Get tips on how long you can consider a settlement offer and what to evaluate before accepting. Speak to an attorney for guidance. A demand letter often is the first step in the negotiation process for a personal injury claim. This is a sample letter seeking a reduction in a medical lien. The letter begins the negotiations to settle your personal injury claim. The insurance company can reject or accept the settlement offer.