You can contact the other driver's auto insurance carrier and ask them to pay the co-pay for physical therapy now, as that insurance carrier will be liable for your personal injury claim.  If the other driver's insurance carrier won't pay until the case is settled, you could ask the physical therapy place if it would be willing to be paid on a lien basis which means being paid out of the settlement of the case.As for the settlement you can expect, it is not possible to answer that question at this time because you will need to complete your medical treatment, obtain your medical bills, medical reports and documentation of wage loss.   Your personal injury claim filed with the at-fault party's insurance carrier should include these items.   Compensation for the medical bills is straight reimbursement.  The medical reports will document the nature and extent of your injury and will be used to determine compensation for pain and suffering, which is an amount in addition to the medical bills.  Compensation for wage loss is straight reimbursement.  If the case is settled with the other driver's insurance carrier, NO lawsuit is filed.  If you are dissatisfied with settlement offers from the other driver's insurance carrier, reject the settlement offers and file a lawsuit for negligence against the at-fault driver.  If the case is NOT settled with the other driver's insurance carrier, you will need to file your lawsuit for negligence against the at-fault driver/registered owner of the vehicle if the registered owner is someone other than the at-fault driver prior to the expiration of the applicable statute of limitations or you will lose your rights forever in the matter.