In Century Mut Ins Co v. League General Ins Co, 213 Mich App 114, 121; 541 NW2d 272 (1995), the Court adopted a three-part test for determining causation in cases involving automobile coverage issues. The test requires the following for a finding of causation: The accident must have arisen out of the inherent nature of the automobile, as such; The accident must have arisen within the natural territorial limits of an automobile, and the actual use, loading, or unloading must not have terminated; The automobile must not merely contribute to cause the condition which produces the injury, but must, itself, produce the injury. Century, supra at 121, citing Thornton, supra at 651 and 6B Appleman, Insurance Law & Practice (Buckley ed), 4317, pp 367-368.