Preheat oven to 400 degrees. Grease the cups of a muffin pan, or line with paper liners.
Mix the flour, baking powder, baking soda, sugar, and chopped baking chocolate into a large bowl.
Whisk together the milk, vegetable oil, egg and vanilla.
Pour the milk mixture into the dry ingredients and mix together until just blended. Gently fold in the fruit, so as not to smash.
Fill the muffin cups 2/3 of the way full. Lightly sprinkle the tops with the sugars.
Bake for 20 minutes or until a toothpick inserted in the middle comes out clean.
Cool on a wire rack.
This recipe makes about 18 muffins.