So who's at fault when hitting power lines sagging to low?

Dude the utility company OWES YOU. You been put through a lot of pain and suffering over this.

 

Yup ifn your metal wagon made contact it would be quite noticeable

 

This is a noodle scratcher. On one hand, you want to do what's right, if for nothing else a safety issue for anyone else, yet in these crazy times, and I hate to say, best to keep a your big mouth shut. Who knows what legal ramification BS could be encountered, when if you just didn't say anything, none of that would have happened. Not sure how that happened, as someone would have taken it down before you, so it's clearly a utility issue that just happened, unless on a video somewhere, I wouldn't think twice about it.

 

Pretty sure I’ve taken down a cable TV line now that I think back. Had to go into some residential area and they get lazy about the heights since trucks don’t normally go that way except the garbage guy once a week.

 

Experienced similar in NJ when a driver pulled off a highway onto a side street behind a bank to get to an ATM.

Turned out to be a Verizon fiber optic and they wanted 10K for repairs and another 10K for lost traffic.

Insurance denied but Verizon, using some NJ utility regulations, filed for arbitration for just the 10K in repairs and the insurance carrier balked as the NJ arbitration cases usually ended up in Verizon's favor and our insurance mod received a 10K hit we did not deserve.

 

I would have called in because I'd be concerned that those downed power lines could be still somehow live and present a risk of someone getting electricuted...a stroller or a jogger. I am not too sure if the downed lines are not under voltage anymore but I would not want to test it myself.