The bulbous bow of the cargo ship probably did a lot of damage to the Fitzgerald under the waterline. That may be where the missing sailors are.
It’s hard to imagine a scenario that would bring these ships together that does not involve intent to do so. It would take a great deal of skill and luck for the large ship to catch the smaller ship. That leaves some sort of suicide or sabotage on board the Navy ship.
That thought has been bugging since this happened. The DDG is a highly maneuverable ship and has a top speed of four or five times that of the hulking container ship.