Understand your options when the insurance company makes a lowball injury settlement offer, and see a claimant's sample response letter. 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." If you decide to reject the settlement offer, you'll need to do so in writing. The first step in rejecting a low settlement offer is to write a letter to the insurance company stating the rejection. If you wait longer or significantly change the offer, fill out a new Form 656. We hope that you find this Handbook helpful, and that it provides some aid in protecting your rights behind bars.