I am not sure how such a thing could happen other than negligence. These ships have all kinds of instruments and modern technology to keep the ship safe and for this ship to end up so close to shore, run aground and end up with a 165 foot gash in its hull is beyond me.
Here is a link to a USA article about this incident... Captain Arrested In Cruise Ship Wreck
Here is a video discussing the Costa Concordia wreck: