Front Suspension Wheel Bearing problems of the 2004 Dodge Ram 3500

While riding down the freeway at 60 mph my 2001 Dodge 3500 ram, the front drivers side wheel and tire came off and flew down the road. Vehicle was towed and Dodge dealer said the main wheel bearing had broken in two. My 100,000 mile warranty has been denied and I cannot claim it under my insurance because it wasw equipment failure. . The repair showld be about $4,ooo. All mechanics I have spoken to say this should be a factory problem. Please advise vehicle is at dealership in hempstead, texas now.