Side/rear Glass problems of the 2009 Ford Focus

We were driving our 2009 Ford Focus home on the highway when we hear a loud noise. Scared all of us. Then I hear glass falling on the cover of sunroof. The thing had exploded and shattered!!! not cracked but shattered! thank god that I had that cover closed because I was driving about 65 mph. The glass did not fall into small circles like I have been told the glass should have. The odd thing is the glass is pushed outward like someone kicked from the inside. It is a 2009 still under warranty. The dealership took pictures and emailed them to headquarters for a decision if the warranty would cover it. It came back denied. They won't do anything. So I called the insurance company and they are taking care of it all except $50. But the more research online I'm finding out that this is a common thing. People are just driving with alone the highway and it explodes. Most of them have their sunroofs close but some have had them slide all the way open and they hear something, to only slide it close and see it is shattered. So if you have a sunroof and driving with it closed on the highway. . . Make sure you keep the cover pulled closed. I hate to think of what the glass could have done to the girls if it had been open.