At-fault driver's insurance already calling with an offer — I haven't even seen a doctor twice yet??

Oh man, I was in almost the exact same situation two years ago — early offer, still in treatment, bills stacking up. I took the money because I was stressed and needed it. Biggest regret of my life. Turns out I had a labrum issue in my shoulder that didn't fully show up until my MRI a month later, and by then I had already signed the release. Once you settle, that's it. Please don't rush this.

That "super friendly" adjuster is not your friend. I don't say that to be mean — that's literally their job. They're trained to call fast, sound warm, and get you to sign before you know the full extent of your injuries. A collarbone fracture with unresolved shoulder and neck involvement? They know that could turn into something much bigger. The quick offer is not generosity, it's risk management on their end.

I used to work on the claims side and I'll be straight with you: we were always encouraged to close files fast on injury claims, especially when liability was clear like yours sounds. An open claim with ongoing treatment is unpredictable and expensive for the carrier. That early number almost certainly doesn't account for future medical costs, any potential surgery, or your full lost wages. They're hoping you don't know that.

Not legal advice, but I'd strongly suggest you stop communicating with the adjuster until you at least have a free consultation with a PI attorney. Most of them are no-cost, no-obligation. The key issue here is that with a fracture and unresolved imaging, you genuinely don't know your full damages yet — and any settlement you sign is almost certainly final and permanent. An attorney can also send a letter of representation that gets the calls to stop while you figure things out.

Please wait for that imaging before you do anything. Collarbone fractures sometimes look straightforward but can involve the surrounding structures — rotator cuff, the AC joint, nerves in that area. I've seen patients feel "okay" at week two and then hit a wall at week six when inflammation settles down and the real damage becomes clearer. Your doctor saying they want more imaging is a flag worth taking seriously.

A couple of practical things: first, do NOT give the adjuster a recorded statement — you are not legally required to and it can be used to minimize your claim later. Second, keep a running log of every symptom, every day you miss work, every prescription and copay. Even just a few notes on your phone each day. That documentation matters a lot if this ends up going further. And yes, most PI attorneys work on contingency so there's no upfront cost to at least talk to one.

Short version: don't settle until your treatment is done and you have a clear picture of your recovery. Full stop. The offer will still be there (or a better one will be negotiated) after you know what you're actually dealing with. The only person who benefits from you deciding in the next two weeks is the insurance company.