At the time of accident whether you are at fault or not and damage your property or car this coverage will surely help you, and it will also cover the cost of transportation(towing), repairs and other costs like damage caused by other drivers.
This is the coverage which you get when you destroy third party’s property, and the coverage is never given on your car with this policy, on the other hand, it usually includes legal costs and other claims service.
The additional coverages such as additional features and other benefits which are available in your policy are for some insurer like the replacement of your car, no claim bonus protection. The policy which you purchase you should look for the extra benefits which you can get.
Third party theft coverage is given when your car catches fire or gets stolen, and this coverage helps you in that case in the best possible manner.
This third party insurance gives the driver who is legally liable for the personal injury, and this can include other drivers also, on the other hand, it varies as per state so check your state rules and regulations.