Heading back from the cottage, 20 mins from home , and the oil light comes on , and then the engine shuts down minutes later

Get it towed to a local shop, and the engine is seized. (It did not go to a dealership, forgot we had roadside coverage)

Last oil change was around 65K

Options ???

- is it covered under the power train warranty 5 yrs / 100k

- replace it another 3.8

- replace it with something else , are there other options ?

One payment left and then we owned it ...

Thanks for the suggestions and help