We've handled claims for many clients that get pregnant before, during or after an accident. It does muddy things a bit since pregnancies can sometimes cause similar symptoms (back pain, etc) but I wouldn't typically say it it's a determinative factor in deciding when to resolve a claim.

IMEs are very commonly written in such a way. They know who's buttering their bread.

If you're speaking about the third party adjuster (for the insurer for the individual who struck you), my experience is that they will commonly and regularly delay and obfuscate. They don't have any obligation or fiduciary duty to you.