Is it possible that my car engine get broken without any notice?

i drive a ford focus-01, i was driving it, i parked outside a store and when i tried to start it again it make a very noisy sound like if you drop a screwdriver in the engine, i have taken good care of it, every oil change on time, regulary checking on the fluid levels at the dealership, i live in fresno ca. i want to know if this is possible and how's fault it is and what can i do? what are my options? sue anybody or at least blame for it, i have evidence of every oil change and service done. help me please!!!! thank you.