Thanks for all the help everyone, I have let my insurance know that I and several other people think it was a bad install and tomorrow they are gonna call and let me know if they want to do the investigation. if not i got a shop here in tuscaloosa that the owner has a couple of FJ40s, and 2 iron pigs, so i think i want him to do the tear down for me, i used him before for little stuff here and there and he is a legit guy, i found him on the Stickey section on this board.
The ship i got the ARB locker installed at is a very reputable offroad shop and this should have been a very basic install for them.
I thought about calling ARB customer service and telling them about it to see if they want to investigate the shop.(after my insurance lets me know what they want to do first)
And as for not having any heavy objects flying around... my roommate had a ipod radio doc in his lap... we found it half way through the rear driver-side window and my iphone was in my lap(inside its Otter Box) and my girls purse was thrown into the trunk.
Ill be sure to get any new pictures and info up as soon as i can.
Really everyone thanks a lot for all of your help, im glad to know it at least sounds like a improper locker issue.