NATIONAL INTERSTATE INSURANCE COMPANY, INC., Plaintiff/Appellee, v. Savio REINHARDT, William Cornelio, Jr., Defendants/Appellees, and Kawika Franco, Individually and as Personal Representative for the Estate of Tiare Franco; Peaches Kong and Apples Elaban, as Next Friends of Lovely Franco (Minor); Taua Gleason, as Next Friend of Kolomana Kong Kaniaupio Gleason and Kaulana Kong Kaniaupio Gleason (Minors); and Cheryl Russell, as Next Friend of Jeanne Russell (Minor), Defendants/Intervenors/Appellants