Is motorcycle insurance different?

For my own edification, with a request for clarification specific to my policy, and realizing there are other variables in state law and individual insurance policies: my brother insists motorcycle insurance works differently than auto insurance and if you're not listed on the policy, you are absolutely not covered riding someone else's motorcycle. My assumption is that my insurance will cover an "occasional" rider who is not listed on my policy, at least to some degree, as long as he/she is not a regular rider of the bike and has my permission. I also assume if I'm riding a bike other than my own that is insured, I am not only covered to some degree by that bike's policy (under the same parameters above) but that my own policy will probably pick up a gap in coverage.

Anyone?

mich. is just about completely different from any other state in that it is a no fault auto state but not motorcycles. that being said, my motorcycle policy covered the insured and passenger only. unless i got hit by a car. then the my collision covered the bike, the auto picked up everything else.   

 

   thanks.

Is that Progressive specific, or Utard specific, or both, or universal?

 

I was going to ask, but I figured I'd have to run his answer through babelfish and I'd still not understand it.

Incidentally, my cousin was involved in an accident that totaled his bike over the weekend. (Woman turned left in front of him.) He walked away from it. Surprising since he's one of those guys who thinks a bandanna offers all the protection his head will ever need. 

Interesting photo.

It would appear that the cop who looks to be writing out a ticket or something by the car has "cracked one off" and the rather portly cop in the back just caught a whiff of the offending "air biscuit"....