I have to admit I love Kong: Skull Island which uses the same technology as FatF. IMO, the difference is that Kong has a higher quality video.
Adding on to your suggestion, perhaps replace the party bus with a tour bus, and the theme is that a street race erupts during a city bus tour. So the bus gets swarmed by street racers, with perhaps some losing control and crashing. Might even add cops chasing after the street racers. Also, improving the quality of the video will help. It doesn’t look realistic at all.
PS: I also have to admit to highly enjoying the FatF movies.