A doctor’s referral may be requested by some insurance companies to justify your need for physiotherapy sessions. It may be a good idea to call your insurance company ahead of time to see whether a medical note is required before the start of physiotherapy.
Furthermore, if you have fallen or if you suspect a possible fracture, it may be best to see your family doctor to get an x-ray. An x-ray can help rule out a fracture which has to be treated differently depending on severity.