The urgent need to reform an unsustainable tort system in the late 1980s led to a succession of no-fault legislation and regulatory reforms that introduced a tort threshold and deductibles. Almost 30 years later, we once again face an unsustainable tort system—and now an equally unsustainable no-fault system. The transactional costs associated with both systems cannot be remedied through reforms alone. It is within the capacity of the stakeholders to orchestrate a path to change themselves in anticipation of further challenges.