@tahir-Isb
I like the way u think about insurance....zindagi may nuksaan aur faida Allah ki marzi say hee hota hay....i once insured my vehicle for a year n felt so bad after that first year.....i felt like i had totally wasted a lota money whereas i cuda given it to someone in need. Then onwards wat i practice is that i just keep a really really good track of my zakat payment n never let it go in lag as well as give watever i can to anyone in need, believe me it works like a charm, i have been saved so many times from so many close calls n potential damage to my vehicle.........just like that.
Just accept it as an act of Allah and have faith. Just get the glass replaced, its just glass...kya ho gya....so many serious things happen with so many people...its just a car n just glass....jahan say bhee ho get it replaced n dont feel bad about it brother eventually u'll think back on this day and laugh , 
take care and may Allah grant u peace of mind and heart.
