I don’t know how insurance companies work personally. I’d imagine they’d probably consider that type of engine damage as negligence, lack of maintenance, or wear and tear from age. They don’t cover that kind of thing.

Some parts of your suspension are non-adjustable, hence why they haven’t changed. Most cars you can not adjust caster/camber without aftermarket parts. Looks like only the front toe was adjustable, which they got in spec.

M+S rating really just has to do with the tread pattern. If you’re doing for an all-season you want a triple-peak rated or just get snow/ice tires. These will remain softer at low temperatures. If you have low tread, like it appears, then it doesn’t matter what type of tires you have. You’ll just have no grip.

You killed that engine off. You aren’t supposed to go that long on oil changes especially given Fords usually use synthetic blend. I wouldn’t even go that long on full synthetic and my oil is stupid expensive. I’m guessing it was burning oil already if it was a 4.6/5.4 and was consistently low which meant you needed to do them more frequently. Make sure to take care of your next vehicle or this’ll happen again. This could happen to any car with lack of maintenance.