In Auto-Owners Ins Co v. Michigan Mutual Ins Co, 223 Mich App 205; 565 NW2d 507 (1997), the trial court granted summary disposition in favor of the claimants on its finding that, "because a certificate of insurance was issued indicating that coverage had begun at the time of the accident, and because claimants were innocent third parties, Michigan Mutual was estopped from denying coverage." The Court disagreed, stating, "Because Michigan Mutual had issued no policy at the time of the accident and because Central Insurance had no implied or apparent authority to bind Michigan Mutual to immediate coverage, the trial court erred in granting summary disposition in favor of plaintiff and denying Michigan Mutual's motion for summary disposition." Id., 216.