Does actual cause exist in the garden store's action against Teresa?

Multiple Choice

Actual cause is present because as a matter of policy, it is believed that someone who rear$-$ends a vehicle should be responsible for damages.

Actual cause is not present because Teresa is not the legal cause of the garden store burning.

Actual cause is not present because Teresa is not the proximate cause of the garden store burning.

Actual causation would exist because the garden store would not have been destroyed if Teresa had fulfilled her duty to drive properly.