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Last Updated: November 29, 2016 If you are negotiating a personal injury claim with an insurance company, there are a few things you should understand about how to respond to a low initial settlement offer and the proper way to make a counteroffer. There is no specific time frame for receiving a settlement offer from a claims adjuster – some personal injury claimants receive a settlement offer very early on in the settlement negotiation process, and others must wait several weeks. You cannot reject a settlement offer until one is made, so the timing for your rejection and counteroffer depends entirely on how long the insurance company takes to evaluate your personal injury claim.