Understand your options when the insurance company makes a lowball injury settlement offer, and see a claimant's sample response letter. Victims who want to respond to a low settlement demand offer must use factual information, persuasive arguments, and a professional tone.In this article, find out the proper way to do this. Rejecting the settlement protects your rights to maximum compensation under California personal injury law and allows you to fight for a fair settlement. Richard Kohler said the letter that he wrote to Matt Ence on Nov. They can also present your case in court if needed. 4. Most people will then panic and take the offer. An attorney has access to every case that has gone to trial. Antonio Puerta and Anna Berta Torres were in a car accident in the City of Westminster. Puerta sued Torres, acting as his own attorney.