Burning smell from engine while reversing

Hi,
I got my Dzire VXI (Azure Grey) on 9th Aug 2009. It is my first car and very much satisfied with its performance on the whole. Recently when we went to beach the front tyres were struck in the sand and I had to reverse with high accelaration and observed smoke and burning smell from the engine. I took to the dealer and the supervisor told me that I would have accidentally thumped both clutch & accelarator asynchronously which damaged clutch plates to a little bit and this caused the smoke and burning smell as metal-metal contact happened. The replacement of the clutch is not covered under warranty and need to be born by me :(. It just covered 250kms and not sure the issue was because of the poor clutch plates or it is my fault. Does anyone faced the same problem ? I'm new to driving 4 wheeler and any tips are appreciated :) Thanks in advance & enjoy the riding !!

-Pavan Kishore.
Fuel economy, sporty look, ground clearance, smooth engine and gear shiftingBad interiors with cheap plastic, less rear space, poor suspension,