Why would a person benefit from having personal injury protection in their auto insurance?

Having personal injury protection (PIP) as part of auto insurance is beneficial because it specifically provides coverage for medical expenses resulting from an auto accident, not only for the driver but also for passengers or guests in the vehicle at the time of the accident. This type of coverage typically helps to pay for medical bills, rehabilitation costs, and in some cases, lost wages due to injury. The focus of PIP is on personal medical expenses rather than liability or property damage, making it an essential component for individuals who want added financial protection in the event of an accident.

The other options do not accurately reflect the primary purpose of personal injury protection. Increased liability limits pertain to how much coverage a driver has for damage they cause to others. Coverage for vehicle theft relates to comprehensive insurance, while ensuring collision repairs fall under collision coverage specifically and is not related to personal injury protection.