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Chargeback Liability | 12 Months Ended
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Dec. 31, 2021
SEC Schedule, 12-09, Valuation and Qualifying Accounts [Abstract] |
Chargeback Liability | CHARGEBACK LIABILITY We may be charged back for commissions related to financing, vehicle service, or protection products in the event of early termination, default, or prepayment of the contracts by customers (“chargebacks”). However, our exposure to loss generally is limited to the commissions that we receive. An estimated chargeback liability is recorded in the period in which the related finance and insurance revenue is recognized. The following is a rollforward of our estimated chargeback liability for each of the three years presented in our Consolidated Financial Statements:
| 2021 |  | 2020 |  | 2019
Balance - January 1 | $ | 142.1 |  |  | $ | 134.5 |  |  | $ | 128.1 |
Add: Provisions | 168.9 |  |  | 118.1 |  |  | 108.6 |
Deduct: Chargebacks | (140.0) |  |  | (110.5) |  |  | (102.2) |
Balance - December 31 | $ | 171.0 |  |  | $ | 142.1 |  |  | $ | 134.5 |

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- Definition Disclosure of the carrying amount of the liability for chargeback reserves including a reconciliation of the beginning and ending balances. The liability represents the estimated chargeback of commissions related to financing, insurance, or vehicle protection products in the event of early termination of the contracts by customers. + References No definition available. + Details
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- References No definition available. + Details
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