I went to looked at a 92 vigor (honda engine). I noticed the timing cover
was in two pieces (at least it looked this way), and the top portion of the
timing cover was missing. The lady said she was not aware of this and stated
she has been driving it for the past year like this......isn't this a bad
thing and that I should stay away? Could dirt, rocks etc get down there to
cause major engine concerns?

Pls advise on this.