I watched some of the livestream, and I think it must have been a mechanical failure/maintenance issue on the ship. At around 1:23am, the ship's lights blinked out as it was approaching the bridge. Then the lights came back on for a while, then back off, all the while heading towards the pylon. It hit the pylon at 1:28:44 am.
During the five minutes I watched, I could see vehicles crossing the bridge. There were no headlights moving across the bridge when it collapsed, so it could have been worse. There was a crew on the bridge doing concrete work on the decking though, so those are probably the people that went into the water. I didn't watch beyond the collapse to see if any vehicles sailed off the edge after it collapsed. Hopefully not, but it's very possible that vehicles coming through later might not notice anything until they are suddenly dropping off the edge.