Wife has been making great progress improving her riding skills now that we have been making the effort for her to ride every weekend. She always rides her own XT-225 and usually also takes another ride rear seat with me on my 990 Adventure. While 2-up I will demo stuff she asks about from her own ride. She seemed to have gotten past her noobishness, was enjoying riding, and on her way to being a competent though not bold rider. This afternoon was a beautiful day here and we went out for a short 1 to 1.5 hour local ride, local paved roads and maintained dirt roads, with me on my DRZ. We avoid & minimize higher speed roads and roads with heavy traffic. My DRZ is geared for rocks and has knobbies so I don't like to go more than 55 MPH and would rather go 45. Her bike actually has a higher useable top speed. We try to mix up the routes for variety and do a different loop every week. Here's what turned out to be the first link in the chain of causation: As we were both sitting on our bikes in the road in front of our house, bikes running, gear on & ready to go, I realized I'd left my GPS inside. I briefly considered going back in for it but WTF, I am not going to get lost on a local ride. I was founding Trailboss for our club's popular Dualsport event, laid out 130 mile Big Bike routes for 8 years or so, I ought to be able to find my way. We had made it maybe 2/3 of the way around our loop and were on our way home. We were on a paved town road that's used as a through road and I intended we turn right onto a dirt road that comes in on one side (only). We 'd both been down it before on bikes and in cars but not frequently. We were going 40-45 MPH when the side road came up sooner than I'd expected. If I'd had the GPS, I would have known. I actually considered purposely riding past it, stopping further down, and telling Wife we needed to make a U-turn. But I didn't want to have her U-turn on that road because it is moderately traveled and (despite having passed MSF just fine) she doesn't like U-turns and I've seen her get stuck in the U half way through. We'd rather have her practice those in a parking lot (we use the commercial area right in front of our development) or on a very low speed and less traveled road where cars would not come up on her fast. I decided the turn was still make-able, which was the 2nd link. I braked hard, straight ahead, on the clean pavement of the through road. There was nobody anywhere nearby behind us. After getting the bike slowed down, I made a very square turn into the side road. There was nobody coming out of it, I looked. It was not a smooth maneuver, it was "saving it", but it worked. My wife does not tailgate, she was a good 100 feet or more behind me. I figured if she wasn't comfortable stopping that quickly, that she'd just roll past, and have to make that dreaded U-turn. As it happens, on our previous ride we had practiced hard stops in the parking lot before we went out on the road. But here was the 3rd link. She angled right while she was braking, like a shortcut into the turn. If only she'd stayed straight she would have been okay. The 50/50 dualsport front tire on her bike stops a lot better on pavement than the knobby front on mine. But she was still braking firmly as she angled into the sand and then tried to turn in. The front tucked and down she went, though at a slow speed maybe 10 MPH since she gotten it slowed down a lot. While it was happening, neither of us expected the getoff to result in significant injury. Looking her gear over afterward, there wasn't a tear or even a scuff on the elbow/forearm pads (she'd taken the upper body impact on the forearm) on her riding jacket, nor on her riding pants. She was wearing dirt boots that are nearly knee-high. Unfortunately as she went down her boot got caught between the bike and the ground and got a twist put on it. Local volunteer ambulance & fire responded. On the scene we thought there was only an ankle sprain as there was no displacement, and a bruised knee from impact. But x-ray showed a hairline ankle fracture (no displacement) and while nothing showed up on the knee x-ray, the knee had become hugely swollen so is now officially a "sprain". Satisfied she was "stabilized", the ER sent her home with an aircast for the ankle and an immobilizer for the knee, with instructions to call the ortho-doc in the morning. Not a life threatening injury but she'll likely be hobbling for a while, and CAN'T DRIVE which will be a PITA. And to add insult to injury, the painkillers she got made her sick and she threw up into a flowerpot. One funny thing was that a local VFD guy, who rides, and was driving the other way in his work truck, actually saw her go down. And that they know each other, he being a regular customer of her business. He was the one who called it in after it became clear she wasn't just going to be able to walk it off. A lot of the responders knew her son (my stepson) who is also on the VFD there, but was out of town that day. And while we were in the ER, a guy was wheeled in with a bloody head; he was a former employee of hers who'd taken a fall inside his house. Yup it's a small town here.