xc90 windshield torn

Hello, during the last motorway ride (about 130 km/h) a small stone on the windshield must have hit in the middle of the area above the bond on the A-pillar on the side of the side of the road (have not noticed anything at all, neither seen nor heard). Initially, during the ride, as if out of nowhere, the disc slowly starts to tear from the right, crosswise to unhazardably into the middle. I thought I did not trust my eyes, since I did not trust the impact. After I had stopped totally shocked to calm down, I then saw that a lot of 1-2mm big impact was seen. Is the front window of the XC90 so under tension after the bonding so much that it is tearing away by such a small impact? My owner says it is clearly my fault, he could not do anything. If the impact were to happen in the middle of the disc, it would have remained completely, (which is purely physical to me). If someone has experience, if something like that has happened more often, there are already culling rules? How much does an exchange of the disc cost, what are the consequential problems (because of the rain sensor etc.) I am grateful for any opinion!