He didn’t wear a seatbelt and is blaming a car manufacturer that the garage burned down the garage, then the house.

The car was not really idle, it was driving and fast. It's more like it crashed into the garage and burned it. Btw iirc, even IRL a basic insurance policy does not cover the case where the car in the garage starts a fire and burns down your own house, you have to tick extra boxes to cover that.