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Many viruses with animal reservoirs jump between animals and humans all the time. The Flu virus does that all the time.

Not that often and as influenza is a relatively simple virus in comparison with coronaviruses, predicting the cross-reacting variant is reasonably easy.

Apparently not so much with this one.

Plenty of diseases, coronaviruses included infect several species. Sometimes one variant freely infects many species, sometimes a novel mutation enables a jump from one to the other, often somewhere in the middle where something will spread easily in one and not so much in the other until it evolves to change. This is pretty basic infectious disease stuff.

I don't think we know how often it happens naturally, since there's no particular funding source for monitoring it (up until recently, anyway, hopefully more now).

No evidence has been found in bats, just speculation