Can you describe your fall a little better? Were you walking, tripped, and fell directly on the knee cap? Or did you land awkwardly causing your knee to take the brunt of the fall in an awkward position?
I hope it's not that. I guess you have to follow your insurance protocol. Unless your doctor concurs it's a tear and you can bypass the physical therapy month, I'm not sure what else you can do. And the PT is better than nothing. You may get some tips to hold you until you can get an mri besides just the pt service.