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Two speeding drivers entered an intersection from different directions and struck a pedestrian almost simultaneously. Medical experts agree that the combined impacts caused one indivisible pelvic fracture, and that each impact was powerful enough to contribute substantially to the fracture. The experts cannot assign a percentage of the fracture to either impact.
Which statement best describes actual causation?

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The plaintiff must lose unless one driver admits sole responsibility. Only the second driver is an actual cause because the second impact completed the injury. Each driver may be treated as an actual cause if each negligent impact was a substantial factor in producing the single indivisible injury. Both drivers avoid liability because personal injuries cannot be indivisible.

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