Preheat oven to 400 degrees F. Line muffin pan with liners and set aside.
In a large bowl, stir together the flour, sugar, baking powder, and salt, and make a well.
In a medium bowl, beat egg lightly, add creamer and vegetable oil and beat until combined.
Pour wet ingredients into the well of the dry ingredients and mix gently just until combined, do not overmix, it's okay if the batter is slightly lumpy.
Add 2 tablespoons of batter to each liner, place an unwrapped caramel in the center, top with another tablespoon of batter. Repeat for the remaining liners.
Mix topping ingredients together with a fork in a small bowl until crumbly, sprinkle over the top of the muffins and bake for 20 to 25 minutes until golden brown.
Drizzle with caramel sauce before serving if desired and use caution as caramel center will be molten after removed from the oven. Bake off remaining batter the same way.