2007 Toyota FJ Cruiser wipers, windshield & visibility problems

I purchased this vehicle in dec of 06 and one month into having this car and driving on my normal routes that I realize that this car has zero visibility. No windows in the back that allow you to switch lanes safely or even back up from a parking lot or area safely. I just recently had an accident as well. I already know this car has no visibility to it takes me longer than usual to back up or switch lanes.

2007 toyota fj cruiser. Large crack in middle of the windshield from a rock. Other cracks arise from just small tiny debris striking the windshield. Glass needs to be scratch and dent resistant. Replacement windshields costs around 1400 dollars. This is because the installation involves removing a top molding piece that breaks easily and the unique cut of the glass. If you replace the windshield, the insurance company could refuse to insure you after multiple incidents like this blatant defect.