what caused the ship to hit the baltimore bridge?

It is always helpful to look backward at incidents to determine the root causes for disaster impacts. It is routinely done for aircraft crashes, and we could do more of this for natural disasters.

But then, here is a human caused disaster. Remember when this happened, The Francis Scott Key Bridge collapse Now there is this news item, Owners of cargo ship that crashed into Baltimore bridge sue company that built vessel

All of the above will likely end up in a court of law somewhere in the world. As we become even more technologically advanced, we must remember that it is electricity and all the components that are making things functional these days. One hiccup somewhere in the system can cause billion-dollar damages and lives lost.