Hi everybody. I have a 2007 Toyota Rav4 4cyl 4WD. One month ago, during normal checkup the dealership told me to replace water pump but I did not do it since they said it is not urgent. Yesterday the car broke down on highway. Before it broke down, several indicator went on (check engine, VSC and 4WD) and the AC only blow cold air into the cabin. Then I found I could not accelerate and gradually the car lost power going forward. After I stopped it and turned it off, some white smoke came from under the hood.
Now the dealership told me (without do detail diagnosis) the car cranks but would not start, and they said the engine is damaged and needs to be replaced. They said a used one would cost about 3k-5k and labor is about 1k.
My question is do I need to ask them to do further diagnosis in case the engine is ok and something else went bad? Any alternatives to save some money?