<prompt> Human: Hello PFThis past week, I let two separate friends borrow my 2004 BMW. Both of them, on two separate occasions, caused bodypaint damage. Both struck stationary objects. I havent had an estimate for repairs.Question is, what are the pros and cons of using USAA to fix the damage? Im 20, male, in the Army. They said theyre willing to pay out of pocket if needed. How much will my premiums go up, roughly?  <response>: Tell your friends your insurance wont cover it and have them pay out of pocket since they are willing to do so. 