Other driver's insurance keeps pushing me to settle and I'm still in PT — is this normal??

That 'get you taken care of' language is a huge red flag to me. They are NOT trying to take care of you — they're trying to close the file before you know the full extent of your injuries. The faster they settle, the less they pay. Full stop. Do not sign anything while you're still in treatment.

I was in almost this exact situation two years ago. Settled early because I was tired of dealing with it and honestly needed the money. My back got significantly worse about three months later and I had zero recourse. Zero. I wish someone had told me to just wait until my doctor actually discharged me from treatment. Please don't make the same call I did.

From a medical standpoint, a month is really not long enough to understand the trajectory of a soft tissue injury, especially to the shoulder and upper back. Some of these injuries plateau quickly, others don't peak in terms of symptoms until 8–12 weeks out. Your PT saying it's too early to know is actually really significant — that's a medical professional telling you the picture isn't complete yet. I'd take that seriously before making any financial decisions.

A couple of practical things to know: when you settle a personal injury claim and sign a release, you're typically waiving ALL future claims related to that accident — even injuries that get worse or conditions that weren't fully diagnosed yet. That's just how releases work. You generally want to be at what's called 'maximum medical improvement' (MMI) before settling, because that's when your doctors have a clearer picture of long-term impact. You're nowhere near that point based on what you've described.

Not legal advice, but this pattern — fast contact, quick car resolution, pressure to settle injury before treatment ends — is extremely common and the timing is intentional. Most attorneys who handle these cases would tell you not to discuss 'injury resolution' with the other party's insurer at all until treatment is complete. A free consultation with a PI attorney costs you nothing and could at least help you understand what you might be giving up. Just worth a call.

You already answered your own question when you wrote 'my PT said it's too early to know.' That's it. That's the reason not to settle. Don't overcomplicate this — just tell the adjuster you're still under active medical care and you'll reach out when your treatment is complete. You don't owe them a timeline.

Honestly just the fact that you have a bad feeling about it is worth paying attention to. You don't have to be an expert to know when something feels off. Please don't let them exhaust you into a bad decision — that's literally what they're counting on.

What exactly are they offering for the injury portion — is it a lump sum or are they offering to cover medical bills only? And have they asked you to sign anything yet or is it still just phone/email pressure? The specifics matter a lot here because there's a difference between them floating a number casually versus actually sending you a release to sign.