A Hibbing jury on Tuesday decided that an insurance company must pay $730,839 to a man whose son was fatally injured in an auto accident last year.

Ryan Rafinski, 27, was a passenger in a car driven by Tracy Darveaux that went out of control and left the road on April 24, 2004. Rafinski had moved in with his father, John Rafinski, six months before the accident.

According to John Rafinski's Duluth attorney, Paul F. Schweiger, the father's insurance company, Western National Mutual Insurance Company, had told John Rafinski five years before the accident that it would drop his insurance if Ryan Rafinski was living with him. Ryan Rafinski had a driving record with a number of moving violations.

Seeking damages for funeral expenses and the loss of his son, John Rafinski filed a wrongful death claim for underinsured motorist coverage benefits in March.

After a two-day trial, the jury decided that John Rafinski had not made any misrepresentations to Western National and awarded Rafinski $10,839.16 for funeral expenses, $120,000 for past damages and $600,000 for future damages.

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