Maybe we as a country shouldn’t have to rely on individual GoFundMe campaigns to fight drug addiction and homelessness, or may for medical bills, or really provide any of the kinds of services that a government in a wealthy country should be able to provide. 

Literally yes, that is correct, but that is definitely NOT what the author is implying here. The implication is pretty clearly “Oh man, this guy is getting screwed by the insurance company. Not fair!” Even if it was, the insurance company is under no obligation to pay the past value, only the current. My 91 Miata was…

Thanks for the kind words Tommy.