I always wondered why there was no window in our bathroom. Just solar light and fan.
If it is just the glass, you can also consider a local glass company who can have one cut to fit the frame and they install.
I can't tell from your info, but sounds like the window is the issue and need a new crank / lock or something. I wouldn't use insurance anyway, but had it hit someone else and caused damage your liability will have covered. If your window was defective or not being used properly, if you had an anal underwriter; they may try to refuse the claim anyway.