If you decide to reject the settlement offer, you'll need to do so in writing. A reasonable counteroffer is a key component of your rejection letter that you must include for the insurance adjustor to increase your settlement.Always reject a settlement offer in writing. Type a letter to your contact at the insurance company listing the reasons you think that their offer is too low. A nonengagement letter informs prospective clients that the attorney will not be representing them. Sample forms and checklists for attorneys. It's easy to get started with these templated resources. Victims who want to respond to a low settlement demand offer must use factual information, persuasive arguments, and a professional tone. You can write another letter rejecting the adjuster's offer.