RE: Claim# 45678 Dear Adjuster On October 24, 2011, we spoke by phone concerning the above referenced claim. As you know, I was injury in this accident due to the negligence of your insured who was cited for failure to stop at a stop light. My vehicle was totaled. I have submitted to you all my medical bills, loss wages and other out of pocket cost due to this accident totaling $10,456. I have already be paid for my vehicle. In our conversation, you offered $2,000 above my out of pocket cost as settlement for this insurance claim. This letter is to advise you that I am rejecting this offer as I feel it is too low and unreasonable considering the damages created by this accident. As advised in our conversation, I will contact you in a couple of days with a more fair and equitable settlement demand for my claim. Sincerely,