I am a commercial property/casualty insurance adjuster and my insurance company insures a lot of "Quick Lube" type oil change places. Believe me, after seeing the damage done by so many of these places, I opted to never again take any of my cars to one.
Here is a list of "accidents" by quick lube places I can remember off the top of my head from the last 3 years I have been employed here:
-drained old oil out, but forgot to add more oil. Gave vehicle to customer. Engine dead
-double gasket on oil filter. Oil slowly leaked out. Engine dead
-forgot to re-install drain plug. Gave to customer. Engine dead
-re-installed drain plug incorrectly. Oil slowly leaked out. Engine dead
-installed oil filter too tight. Gasket squished out the sides. Oil slowly leaked out. Engine dead
There are also numerous others where the oil change place employee said they did nothing wrong. We investigate, and of course, the claimant brings the vehicle back to the oil change place as soon as they have trouble. Guess what: the oil change place monkeys around with the car by adding more oil, swapping out the filter, etc.. so our investigation is ruined. In those cases we usually have to just pay up. When the oil change place gets mad that we paid and their rates went up, we have to explain to them what a jury in a court room would think: person brings car to oil change place - car runs fine - oil change place admits car ran fine - person drives off after oil change place changes oil - engine suffers catastrophic failure due to lack of oil - what do you think a jury is going to say?
As an insurance company, we will pay for a replacement engine "of like kind and quality." That is how insurance works. Insurance is not there to leave someone better off than they were before the loss. Its purpose is to bring the person as closely as possible back to their pre-loss condition. When people profit from insurance it is called insurance fraud. If someone suffers an engine loss in a car in with 100,000 miles on the engine, we will replace the engine with a used one with a similar number of miles. or sometimes a "like kind and quality" engine is either unavailable, or it will cost more to put in than the car is worth. Then the car gets totalled and we pay the Actual Cash Value of the car based on the market at the time of the loss. That's the law. Ask any lawyer.
My advice is as follows for anyone who ever asks me where to take their car to get their oil changed: As soon as the oil change place tells you they are finished, ask to see your dipstick. Watch them pull it out of your car. If anything appears questionable, ask to see a manager and never return to oil change place.