Safety Center

Motorcycle and ATV Safety

Riding is not a skill that is inherent, but rather an ability that is learned and developed through practice. The best way to get started is by taking a rider course to learn hand and foot controls, turning, braking maneuvers, crash avoidance and protective gear selection.

The SIPDE System

Experienced riders use a system known as SIPDE to make split-second decisions and take action in traffic. Use this process to help avoid hazards:

  • Scan surroundings thoroughly for potential hazards.

  • Identify potential hazards and conflicts, such as other vehicles, pedestrians or potholes.

  • Predict effects of the hazard. How critical is the hazard and how might it be avoided?

  • Decide what you can do to reduce the hazard. This may be accomplished by communicating your presence with your lights or horn, adjusting your speed or changing lanes.

  • Execute your plan to avoid the hazard.

Get into the right gear

For a safe ride, use protective gear — always wear a helmet, eye protection, highly visible protective clothing, over-the-ankle boots and gloves. Consider the following safety tips when deciding on the right gear to wear:

  • Helmet – ensure your helmet has a DOT (Department of Transportation) compliance sticker — this means it meets basic safety standards.

  • Eye protection – the proper eye gear means there is an approved shield on your helmet, you are wearing a pair of goggles, or you have shatterproof glasses.

  • Jacket – look for leather or sturdy material made specifically for riding.

  • Pants – cover your legs and wear rigid "body armor" for additional protection.

  • Gloves – get a good grip on controls and protect your hands.

  • Boots – use over-the-ankle boots with strong leather that have slide-proof heels.

  • Hearing protection – reduce noise for ear protection, but you should still be able to hear horns and sirens.

  • High visibility gear – wear reflective gear that is visible at night.

NJM Insurance Group’s Commitment to Safety

NJM’s enduring commitment to safety can be traced back to our earliest days — with a focus that has expanded from improving conditions in manufacturing facilities to helping keep customers safe on the roads and at home. NJM is a leader in personal and commercial auto, homeowners, and workers’ compensation insurance.


  1. ATV Safety Institute,

  2. Motorcycle Safety Foundation (MSF), “Safety Booklets,”

  3. Advocates for Highway & Auto Safety, “Motorcycle Helmet Fact Sheet,”

  4. Centers for Disease Control and Prevention (CDC), “Motorcycle Safety,”

Our Safety Center pages are filled with tips related to the safety and maintenance of your home and autos. The information contained in these articles should not be construed as professional advice, and is not intended to replace official sources. Other resources linked from these pages are maintained by independent providers; therefore, NJM cannot guarantee their accuracy.