Understand your options when the insurance company makes a lowball injury settlement offer, and see a claimant's sample response letter. I crafted a demand letter, from a combination of many templates I found online.Victims who want to respond to a low settlement demand offer must use factual information, persuasive arguments, and a professional tone. If you decide to reject the settlement offer, you'll need to do so in writing. She later found out that the extent of the settlement company's involvement amounted to sending "power of attorney" letters to the creditors.