Electrical Jack problems of the 2016 Nissan Maxima

I just merged onto the highway going I-55 south from countyline rd, when I heard a very loud noise similar to a gun shot in close range and was literally frightening. Then I heard air seeping through my sunroof area so I pulled over on the side of the highway because I started to shake uncontrollablely and I had my 7 month old in the car as well. I was able to look on top of the car and saw that the front sunroof was shattered. I immediately took the vehicle to gray daniels Nissan north in jackson, ms. They told me that this will have to fall under my insurance but I don't understand why. This is a defect on how this model car handles pressure causing the sunroof to explode! my ears and head are aching due to the explosive sound.