The boat's captain in probably guilty of inadequate communication with the bridge tender, but the tender should be fired (sued or hung) for failing to look out the window of his house...........he lowered the bridge on the passing boat.
That happened in Canada. Boat was a total loss. Boating company forced onto bankrupcy.Canal closed to all traffic until boat was moved and bridge found to be sound. Bridge tender was found to be high on weed (I think) More info at boatered.