Eric E Holm's answer There may be an answer for this in the local city ordinances, you could try researching this online at the city's website containing the Billings City Code (google "Billings City Code") or hiring a local attorney to research this for you.
Peter N. Munsing's answer Go after both. Get the police report. Be prepared to show you didn't give permission for a relend as to the actual driver, so it's on driver #1, and that #2 was driving carelessly. Either way they both owe you. If they offer to pay get a judgment note, and especially get copy of their drivers licence, SS#, proof of addresses so if you have to chase them you can track them.
Peter N. Munsing's answer Contact a member of the Montana Trial Lawyers Assn. Generally, courts don't favor emotional issues. On a personal level suggest you look into a form of therapy called EMDR for your kids. They may be old enough now or in a year or so. Google : Psychology Today EMDR ___________________(name of nearest city ) Montana
That should turn up any therapists that do it in your state.
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