For those that have had this happen I thought I'd fill you in. I had the glass replaced this morning at a local body shop. They have a tool that will pop the mirror from the back behind the glass and allow you to put the new mirror in. The total cost through Nationwide Insurance was only $102.00. Very odd for the glass to crack though. I'm still wondering how it did...? Guess this goes along with the rock that cracked the sunroof while my wife was driving! Then she shut the door w/the sunroof closed and shield open. Know what happened to all the glass? Yup, little chunks all over inside the 4Runner... Ugh!