Radiator problems of the 2019 Volkswagen Atlas

Have had my 2019 Volkswagen sel r line 4 motion for less than a month with only 2,000 miles on it. Was driving down the road not 20 minutes later on route 66 the coolant light came on telling us it was low and needed to be checked. We pulled over and the overflow tank was empty. We immediately call Volkswagen okc and the sales manager was in disbelief also. She told us to get it to them as soon as possible and they would take care of it. We added water to it and only water so we didn't jeopardize our warranty. Didn't make it 5 minutes when it said it was low again and over heating. We added more water as needed and got it back to dealership. The service department was closing so they gave us a loaner and told us we would hear from them first thing Monday. We didn't hear from them on Monday so I called them first thing Tuesday morning. At this time they informed me a rock or debris from road flew up and punctured a small hole in radiator and we would be responsible for the $1,500 in damage because road debris isn't covered by warranty. I was beside myself! we just bought a $40,000 car and now not even a month later they are telling me this wasn't their problem. Volkswagen oklahoma city seemed so nice and eager to please when we were purchasing our vehicle and then this happened. I told them my worry was how this problem would not happen again, every time I pull out of drive way I have to worry about a rock causing $1,500 worth of damage????? this doesn't seem right. I feel like it's a factory defect and needs to be fixed immediately. I did research online and found other testimonials about their Atlas having coolant problems.