Mark Ratka, et al., Respondents, v. St. Joseph Mutual Insurance Company, Appellant. No. A03-1661.Minnesota Court of Appeals. Filed May 18, 2004. [EDITOR’S NOTE: This case is unpublished as indicated by the issuing court.] This opinion will be unpublished and may not be cited except as provided by Minn. Stat. § 480A.08, subd. 3 (2002). Appeal […]