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Yes, but those situations are irrelevant to this issue. The question is, who pays when your self-driving car injures or kills somebody? I assure you that the answer to that question is not “nobody.”
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What is the problem with having the answer be the same as when lightning strikes down and kills people or a flood happens? Sometimes damage happens without anyone being responsible.
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Because a car killing somebody means there is someone (the owner, “driver,” manufacturer, etc.) for the victim’s family to sue. And while anyone can bring a lawsuit against anyone at any time, regardless of how frivolous, you can’t sue God for an act of God.
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You can't sue a bus passenger or people a bus killed. And if there was no driver since the bus drove autonomously, you wouldn't have anyone to sue. I don't understand why this is a problem. Just treat it the same way you do flood damage or lightning.
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You can sue the owner, operator, or manufacturer of the bus. Have you dealt much with legal systems, particularly in USA?
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