You need to contact your insurance company.
Yes, physical therapy is covered by many insurance plans. You need to check your specific policy, though, to make sure that you are covered.
As long as you are listed as a driver on the policy and an accident occurs in a covered vehicle, then yes you will be covered under the terms and conditions of the policy just as any other driver on the policy.
No.
If you are a licensed driver but not listed on the policy the vehicle will not be covered. If you are not licensed it will be covered.
Physical Damage coverage on an auto policy covers all parts of the car that are damaged in a covered loss or covered accident. Maintenance issues are not covered on auto insurance.
If the accident occurred after your policy lapsed and before reinstatement, no, it won't.
No
Only if you are a named driver on the policy.
Yes.
Yes, as long as the vehicle was on the policy when the damage occurred it will be covered.
Yes, a physical therapy clinic can charge for a missed appointment if the policy was clearly stated. A doctor's office is also able to have this type of policy.
If your insurance policy has permissive use then another driver would be covered in your vehicle if they had an accident. I don't know about other states but in California they should not be living with you and they can not be excluded from your policy. One more thing, they MUST have a valid license.