Hear a loud crack noise on a road trip as a big truck passed me and unfortunately that sound was my moonroof cracking. Has anyone else had to replace their's using their insurance company? I know my dealership won't replace it as a warranty claim. Are there two layers of glass, does only the top section of glass get replaced or the entire moonroof? If Geico does cover it do I have the dealership replace the glass...dont know how this works, any help would be appreciated!