The first one is the correct way to use it, since it separates the parts of the sentence into fragments that can still be understood without changing the meaning of the entire sentence.
Answer:
A.
<em><u>A fracture</u></em> is a break in the bone that can occur from
either a quick, one-time injury to the bone (acute
fracture) or from repeated stress to the bone over time
(stress fracture).
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