Now that is a vague statement; "that generally if I where at fault, your policy would cover you."  First off, at fault as a cyclist, or as the driver of a car?  Second, what additional coverages are you speaking of; UM, UIM, PIP?  Please be specific when speaking about cyclist's separate coverages because I know of none that exist.  Lastly, it may be your belief that an accident involving a biki and automobile does not mean the auto's coverage will not be primary, but that is an inaccurate and just plain wrong! 
Please go read the statue.  You barking up the wrong tree.  I work in the insurance industry so I kinda know what I'm talking about, "generally speaking."  Cyclists are treated as pedestrians under MVA law.  You may carry health insurance, but that's secondary to PIP in an auto/ped/cyclist accident, even if the cyclist is at fault PIP is primary from the vehicles policy.  As for questionable and condescending you be the judge, but I do know what I'm talking about here.