It's worth taking it to the dealer, and claiming it's a stress crack that began on the lower outer edge of the glass. If not, you insurance should cover the glass. I know mine is a $100 deductible, but I'm sure it varies per policy.
Good Luck!
Ric
P.S. If you don't plan on replacing it, have some one stop the run, by drilling and filling the crack. Until then, place a piece of clear vinyl repair tape on the ends of the cracks so they won't travel as fast!
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