Swatted a fly (with the back of my hand) on the interior of the windshield directly under the mirror mount, resulting in the huge spider webbed crack! 92 degrees, direct sunlight.

I had my Jeep 4 weeks and was driving down the road and heard a load pop. I got to looking and see a crack in windshield. There were no cars in or around me, so no possibility of a thrown stone. I took it to a windshield specialist and they said its a stress fracture and cracked on inside and not from outside. It requires new windshield and also requires the camera to be recalibrated cost - at around $1500 not covered by insurance, since it's not a road hazard!