Unraveling the terms and amount due for motor vehicle credit is often complicated by the presence of force-placed insurance, which itself can involve any number of abuses. RISCs almost universally require that the consumer maintain collision, fire, and theft insurance on the vehicle being purchased on credit. If the consumer never purchases that insurance or lets it lapse, the credit agreement typically authorizes the creditor to purchase this insurance for the consumer and add the cost onto the amount owed, financing it on the same terms as the underlying obligation.