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I too have a 2022 subaru outback wilderness. After only 3 months of ownership, i found a crack horizontally covering 50% across the right side of my windshield one morning getting in my car. It was not there the day before and am not aware of any rocks hitting my windshield. Subaru said a rock caused it but im skeptical. You would think you would hear a rock hit the windshield if it were to destroy half your windshield right? They wond cover anything. Replacement is 1100 dollars or 500 if filed under insurance