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Personal Injury Protection (PIP) is an essential coverage in auto insurance policies that specifically addresses medical expenses arising from injuries sustained in an automobile accident, regardless of who is at fault. This type of coverage is particularly important as it provides financial support for medical expenses, rehabilitation, and sometimes even lost wages due to an accident, ensuring that individuals receive immediate care without the need to determine fault first. PIP is designed to alleviate the financial burden that can result from medical expenses related to automobile accidents.

The other options do not pertain to the specific role of Personal Injury Protection. Coverage for loss of property relates to damage sustained by vehicles or personal belongings, while coverage for legal defense pertains to costs associated with defending against lawsuits. Coverage for vehicle theft involves protection against the loss of the vehicle itself, which is distinct from the medical benefits provided by PIP. Therefore, C accurately encapsulates the function of Personal Injury Protection within automobile insurance.