A routine oil change turned into a financial nightmare for Jada Gibson when her 2016 Ford Escape suffered catastrophic engine failure just a month after service at Star and Sons Automotive in New York. Gibson claims the mechanic left her vehicle without an oil cap and filter, causing the engine to seize after oil drained out completely.

When Gibson noticed the red oil warning light, she texted the shop about knocking sounds and metal shavings but was told to bring the car in after her trip. The engine failed during the drive back to the garage. Erie Insurance initially offered to cover 70% of the damage, citing Gibson's decision to continue driving after warning signs appeared. The insurer referenced Ford's guidance that drivers should immediately stop when the red oil light illuminates.

Consumer advocate Amy Bach argues that comparative fault shouldn't apply since Gibson relied on the mechanic's advice. Gibson has been without her vehicle for over two months while fighting the insurance decision and documenting communications with the New York State Department of Financial Services. The case highlights the complex intersection of mechanical responsibility, driver awareness, and insurance liability that can turn simple maintenance into costly disputes.