"So we only have 2 options either be a hero or run her over and be a disgrace."
No Prudie, there is a third: drive as a reasonably vigilant and careful driver would and do your best to avoid unexpected hazards. Nothing heroic about it. Many drivers (I nearly said "most", but I'm not quite sure about that) do it all the time. The bus driver hit the headlines because (s)he avoided a very nasty incident which could have resulted in death or serious injury. But no more heroic than had (s)he swerved to avoid a pothole.