If filing an insurance claim is an option, I would do that. If not, you really have nothing to lose by replacing the oil pan, refilling the engine with oil, and seeing how well and how long it continues to run.
It may make annoying valvetrain noise, or even start to knock, but you really don’t have anything to lose (other than the cost of a tow) by continuing to drive it until it fails. If the noise isn’t too bad, it might still run for several more years.
Case in point: I was working on my wife’s car this weekend, and I heard a very loud hammering noise, like someone hammering a sledgehammer onto wood. I figured it was someone doing work on their house. I then noticed the noise got louder as a red Chevrolet Cavalier pulled up, then when it stopped at the stop sign in front of my house, the noise went away. Then when the driver hit the gas to drive off, the noise came back loud and clear. That’s when I realized that this car had quite a knock, and I personally would be uncomfortable to drive something in that condition, but who knows? It might have run for thousands of miles in that condition, and might run for thousands more.