Protective gear

Without the benefit of a car's steel cage around you, your riding gear becomes your only source of accident protection.

Wear a helmet

Government studies show that riders without a helmet are 40 percent more likely to suffer a fatal head injury in a crash than helmeted riders and are three times more likely to suffer brain injuries. The helmet should be a full-face design that's approved by the Department of Transportation. A helmet should be replaced after two to four years because the material degrades, or sooner if it's dropped or suffers impact. Make sure it fits snugly.

Cover up

Even low-speed spills can cause painful "road rash." So it's critical to wear a leather or other reinforced jacket as well as gloves, full pants, and secure footwear, even in summer. Specially designed jackets with meshed material provide protection without causing you to overheat. Avoid shorts and sandals.

Protect your eyes

Flying insects and road debris kicked up by other vehicles can cause a lot of distraction and possible eye injury. Use a full-face helmet with a visor.

Be prepared for wind chill

It can be a big factor on exposed skin. As the temperature drops, cover your body completely, especially your face and neck. Specialty clothing is available; a pair of jeans won't suffice. At only 30 mph, a moderate 40º F feels like below freezing. At 55 mph, the wind-chill factor drops to 25º F, which can quickly become bone-chilling and fatiguing.