MILWAUKEE, WI (WHBL) - A Milwaukee judge has ordered an insurance company to pay for a big part of a 39-million dollar damage award to the victims of a fallen concrete panel at a downtown parking ramp and, in the process, exonerated a Random Lake firm. Circuit Judge Christopher Foley ruled Monday that Liberty Insurance must pay for part of the damages awarded by a jury to the families of Jared Kellner, Amy Wosinski, and her son, Eric. The 15-year-old Kellner died, and the other two were injured when a 13-ton decorative concrete panel fell on them from the second floor of the O'Donnell Park ramp in June of 2010. Advance Cast Stone of Random Lake installed the panel -and its insurance covered only 10-million dollars. The judge criticized the insurer's stance that the stone company knew that a bad accident would likely occur, which could negate the insurance coverage. Foley said, "I know an accident when I see it. This was an accident." Foley has yet to rule on whether the insurer must pay for Milwaukee County's costs in repairing the ramp, which totaled around six-million dollars.