This is why I pretty much gave up riding in any group several years ago (with the exception of a few close friends and my wife,) I've seen inexperienced riders like this cause too many needless "accidents." I look at this type of collision as no different than guns, there are no accidents, only negligent discharges. I don't go hunting or even target shooting with people that I'm unsure of their skills (unless I'm teaching them, and then only under strictly monitored conditions,) and modern motorcycles are just as dangerous as firearms when improperly handled. I, too, have a family to worry about providing for, and I find this rule the best way to mitigate the risk that is riding motorcycles.
BTW, thank God you are both OK, and get to walk away with a little more wisdom instead of injuries.
When seconds count, the police are only minutes away! Support Concealed Carry & the Right to Keep and Bear Arms!
"Our Constitution was made only for a moral and religious people. It is wholly inadequate to the government of any other." - John Adams