If your garage gets burn and your car is ruined, definitely you should file to claim for under car insurance policy supposing you have a comprehensive coverage. Your car insurance policy will send a check for the cost of repairs or a replacement for the damage result by accident. Typically your car insurance is the best to have a claim for the incident just like garage fire. Depending if you have a comprehensive coverage and the type of fire you may be filing a right in whatever kind of insurance coverage. However, it’s not always good to depend on every accident to file an insurance claim. If the damage of your car is minor, then it is advisable to pay out of pocket is the best choice.