No, actually there isn't a difference. Either way the guy/girl on motorcycle or bicycle ends up in the hospital or worse.
If you are actually in Massachusetts, be sure to buy the most medical payment coverage they will allow you to buy for a motorcycle. If they will let you get underinsured/uninsured motorist coverage get that too. You would be amazed how many injured motorcycle riders we deal with who have $50K-70K in medical bills and the person they got hit by has a minimal policy and has no assets (FYI a motorcyclist's motorcycle insurance policy generally does not provide any coverage for injury to its own rider, and neither does the motorcyclist's auto policy if they have a car). Needless to say, the $20K in minimal coverage the auto driver has doesn't go very far towards paying medical bills or compensating someone with $50K plus in med bills. Good luck and ride carefully.
I think there is a difference. My injuries if I low side will look very different than if I T-Bone a car because the driver wasn't paying attention and decided to cut into my way from a blind intersection. My point was the mechanism of injury is different.
Yeah, I go to med school in mass. I'll revisit the info. My policy is pretty cheap because the bike isn't covered for damages.