I have a wireless keyboard, so I don't have an Insert key. Not everyone
views their status bar, so the OP might not be able to double-click the OVR.
So I've tried to cover all options here: http://www.officearticles.com/word/typing_over_text_in_microsoft_word.htm
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~Anne Troy
Try TOOLS > OPTIONS > EDIT Tab and remove tick from the OVERTYPE MODE box.
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