Yikes, girl! Get yourself a helmet and quick!
Road or Mountain bike makes no difference, the helmet is almost more essential than the bike itself!
I've rendered 3 helmets useless: 1 where the foam was cracked, 1 where the foam was cracked the outside plastic dented, and 1 was a chrome Bell Bellistic full face downhill helmet that, once I was done with it, had one side completely covered in tension cracks. I haven't ever replaced a helmet except after I'd crashed and broken it!! Oh, yes, and in each case, the hit to the head would have been the worst injury, but with the helmet on, if it weren't for the evidence on the helmet I didn't know at first that I'd even hit my head!! Helmets WORK!!
Okay, okay, you've heard it. And everyone else is right on the fit, too. Make sure you find the brand and size that fits first, then shop for price and colour. I know we'd all like to look fab, but helmet head is something you just may have to put up with. Try to wear it proudly, like the mud on your legs after a great ride!
As far as adjustment, the other tips are correct and here's a bit more. The strap should be snug enough under your chin that you can get only one finger between it and your chin. This strap is actually two that join up with a little sliding adjuster. That adjuster should sit just below your ear lob, virtually touching it. The two straps do adjust independently, although it takes a bit of a finicky touch to get it there.
Have fun shopping for your new life saving accessory!!
Namaste,
~T~



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