How is it safer for a car to catch fire in your garage while you're asleep? This is clearly the more dangerous situation.

Safer than being in a car which is on fire. That's what we're comparing here.

I still dont understand how that is safer. If the car is on fire, you can get out. I have been to many car fires when I volunteered with the FD and unless it's a wreck with entrapment, there's never any injury. In comparison, there are plenty of deaths from fires starting while people are sleeping.

Safer if you don't expect the person to get out when they see black smoke and flames coming from under their hood. Cars don't usually catch fire explosively.

Humans are replaceable, that's why people have insurance.

Just kidding.