Hi, any helpful opinions appreciated. Long story short..... A rock busted my sump :/ .. would have been running low on oil by the time I arrived at destination, (I noticed it sounding a little noisy.) 2 days later I start the car to leave and it's noisy... a few minutes later it goes back to normal, but I turn it off realising it's got no oil in it :/ Gets towed and is sitting in workshop. There is some dmg of course, but the mechanic said it 'might' still run ok... So now I have a choice of getting a cash settlement for the amount quoted to replace the engine with a second hand one, or I can just pay the excess and anything needing doing now and in future will be at the cost of the insurance agency. I'm thinking of taking the cash settlement and hope for the best but I'm not sure if it's gonna be wise in the long run.. what do you think? Note; The engine is sounding relatively quiet again after patching the sump and refilling with oil. Thanks.