I am the attorney of record for the Defendant in the above stated case(s). After receiving, reviewing and conveying the State's offer to my client:.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. However, rejecting a settlement offer isn't as simple as saying, "Sorry, I won't accept it." You can and should challenge the offer you receive with the aid of an experienced personal injury lawyer. An example of a without prejudice save as to costs settlement offer letter from a claimant (with drafting notes), also known as a claimant's Calderbank offer. Texas Supreme Court found no prejudice to an excess liability insurer for remediation costs an insured incurred without notice to the insurer. Without prejudice against that defendant or order that service be made within a specified time. But if the plaintiff shows good cause.