2015 BMW X6 Visibilitywiper Problems

MY SUNROOF EXPLODED WHILE DRIVING ON THE HWY 69 IN HOUSTON, TX. IT WAS A CLEAR SUNNY DAY. NO HEAVY DUTY VEHICLES WERE AROUND ME, NOR DID ANYTHING HIT MY SUNROOF. IT EXPLODED FROM INSIDE OUT. I THOUGHT SOMEONE HAD FIRED A GUN BECAUSE THAT'S WHAT IT SOUNDED LIKE. I HAD TO CALL FOR ASSISTANCE BECAUSE I WAS TO FRANTIC TO DRIVE OR DO ANYTHING. I AM SO NERVOUS TO DRIVE THAT VEHICLE. IT WAS A BLESSING I DIDN'T HIT ANOTHER VEHICLE. THEY WANT ME TO PAY THOUSANDS OF DOLLARS OUT OF MY POCKET OR FILE THE REPAIRS ON MY INSURANCE, BMW NEED TO TAKE RESPONSIBILITY..