The most effective action you can take to lower the risk of death or injury in a crash is: Do you currently have motorcycle insurance? Insurance is mandatory to drive in Ohio Yes I have insurance. But please show me your best quotes. No, please help me find the best insurance. Question The most effective action you can take to lower the risk of death or injury in a crash is: Answers Read the operator’s manual. Ride well below the speed limit. Wear a helmet when riding. Ride with a passenger. Explanation The most effective thing you can do to improve your chances of surviving a crash is wear a properly fastened, high-quality helmet.