Insurance companies can be really ignorant at times. When I drove through water with my Tbird and broke a rod, the insurance company agreed to pay for the damages. I got a quote for a salvage engine and said I'd install it. They said we can't do that, you need a quote from an established shop. So, I went to a shop owned/operated by a friend of mine and he gave me a quote for a rebuilt long block, plus installation. The quote was much higher, but the insurance co. said "OK" and wrote me a check. I had enough to buy the salvage engine, a set of PI heads, and multiple other upgrades.