I think I read a post on Reddit that covered this well but am at work now so can't go over and find it... but basically it is assumed at the moment that the Navy ship was at fault, they have all the fabncy radar etc... on deck watch, so on and so forth, the Cargo Vessel is mostly auto pilot, not frequent watches etc... it looks like the Navy shit tried to cut across the path of the Cargo Vessel and timed it all wrong, etc...
All assumptions atm and people passed away but it seems plausible