Kindercare, Center Director Larry Wisowaty None caring attitude Lombard Illinois

The OP has the right to ask for a refund. The teacher was probably an okay person but Kindercare is all about the money so they of course will put too many children for one teacher in the class to conserve.

FIrst of all. I have worked for many different child care centers and in many different roles. (from Assistant Teacher when I first started out all the way to Center Director) I also have worked for Kindercare.
I can sympathize with the fact that most Kindercares dont provide quality child care due to the buget restraints the Center Director has however what you seem to be talking about could happen in ANY center.
Accidents do happen. The same incident could happen in your own home under your own care. The Classroom teacher though not very diplomatic in her approach of telling you she can't possibily watch everyone at once, though true, should've just told you she comforted your daughter as best possible and put ice on the finger.
Asking for your money back for this situation is over the top. I wouldn't give it to you either in the same situation unless you had concrete proof that your child was neglected and you feared for her safety if you kept her in the center. One smashed finger does not qualify.
In regards to the male Center Director, although I admit I am a bit sexist and feel the same way (at least I can admit to it even though I know it's wrong)....was he not there when you enrolled your child?