will full coverage insurance and renters insurance pay for scars in the sate of kentucky?

To force the issue with State farm, you would have to file a lawsuit against the owner of the home in which the freezer was located alleging that the freezer was negligently maintained, operated, services, etc.  You would also need an electrical expert to testify that there was negligence. If the work was being done in your own residence or you are the owner of the freezer, then there is no claim for personal injury because you cannot sue yourself. Essentially, bring the claim -- including paying for the expert -- would likely cost around $5,000 or more for court costs, deposition transcripts, expert witness fees, etc., and that does not include attorney fees/expenses and medical bills.  If insurance paid the medical bills, then you would have to reimburse the insurance company that paid the bills. Unless the scars are really horrendous and are causing flexion constrictures, scars on the arms and legs are not nearly as "valuable" as would be facial scarring.