Both ultraviolet A and ultraviolet B radiation damage your skin, but the primary method by which they do their damage is different.
UVB radiation (which is higher energy and has a shorter wavelength than UVA) does the majority of its damage directly to your DNA. When UVB radiation strikes a strand of DNA, it can result in the creation of pyrimidine dimers (either thymine dimers or cytosine dimers). Other names for these structures are cyclobutane pyrimidine dimers (CPDs) and cyclobutane photodimers (CPDs). These unnatural compounds are usually repaired by your skin cells’ natural repair mechanisms, but too much of this damage can result in cell death (as may occur in sunburn), erythema (skin redness), inflammation, and occasionally mutation. Mutations, over time, can cause cancer.
UVA radiation causes its damage via another mechanism. UVA radiation, which is a longer wavelength than UVB and as such can travel deeper into your skin, strikes other structures in skin cells, creating free radicals and reactive oxygen species (ROSs). These free radicals and ROSs can damage your DNA, but they also damage other structures in your skin such as collagen and elastin. This damage eventually results in many of the negative effects attributed to the sun. Furthermore, these free radicals and ROSs can travel through your blood stream and damage other areas of your body not directly reached by UV light.
UVB and UVA rays vary in intensity throughout the day. Because UVB radiation is partially blocked by the earth’s atmosphere, the strength of UVB rays that reach your skin varies considerably depending on the time of day. The further overhead the sun is, and thus the less atmosphere the sunlight travels through before it reaches you, the greater the intensity of the UVB rays. It takes you less time to burn in the middle of the day than the morning or evening.
Conversely, the longer wavelengths of UVA rays are relatively unfiltered by the earth’s atmosphere. The amount of UVA radiation that reaches your skin in the middle of the day does not vary much from the amount that reaches your skin in the morning or evening. Thus, while you may not notice the effects immediately and might not get burned, you are still damaging your skin while exposed to seemingly low-intensity sunlight.
The same holds true when it is overcast, or in the fall/winter/spring. While the intensity of UVB rays is much lower, the intensity of UVA rays remains little changed. While you are not getting sunburned, these periods of sun exposure can be extremely dangerous because the damage being sustained is often unnoticed. These periods of seemingly innocuous sun exposure can significantly contribute to the cumulative damage and aging of your skin.