sure, it will not be free like in the past. when you make a payment with your credit card the credit card company pays for the purchase and expects you to pay them back over time, with interest, in the future. if the person, can be found then the accident can be handled like any other accident. the more we focus our knowledge the more powerful we become. but, dear reader' it was so. its warm, clear and you can go out a good distance before it gets deep. so you want to go camping? thank you for your thoughtful ideas and presenting your approach. 