Jeep Compass — 2019 April model Jeep compass Clutch Plate damaged after 14250 kms only

I purchased my car in January 2020 and it has covered only 14250 kms. It's cluch plate is damaged badly due to that I took RSA today. I have taken engine protector, RSA, zero depreciation, loss of personal belonging, consumables and three year extended warranty, Clutch Plate changing cost is coming around 45, 000. My question is who will pay for this and why within two years the clutch plate is so badly damaged when it only covered 14250 kms. Please provide help at the earliest.
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