The bridge fell on to the London-bound carriageway of the motorway just after midday on Saturday 27 August.
The man from Darlington has been issued with a summons to appear before Maidstone magistrates on 17 February.
He will face charges of dangerous driving and causing serious injury by dangerous driving.
He will also face three counts of criminal damage.
A motorcyclist suffered broken ribs when the bridge came down.  No one died.
The collapse happened between junctions four and three, near the junction with the M26 which links the M25 London orbital with the M20.
The road, which is the main route to the Channel Tunnel and Port of Dover, had to be closed while two large cranes worked to clear the debris.
The road was closed again the following weekend for the remains of the partially collapsed pedestrian bridge to be removed.

He made the comments after he was told he would not get a new parish when he leaves his existing one in London.
The Reverend Andrew Foreshew-Cain is leaving his congregation in West Hampstead as he is moving to the Peak District with his husband.
He said he felt under constant pressure being a gay man working in the Church.
Speaking to BBC Radio 5 live's Stephen Nolan, he said: "The people of the Church of England, the worshipping congregations up and down the country are amazing people who worship and serve their local communities and do tremendous amounts of good in lots of places and for the most part they are welcoming and accepting of the LGBTI community.
"The problem is with the leadership of the Church which maintains and promotes policies and practices which are discriminatory against LGBTI people."
He added: "There's this constant pressure of being a gay man working for the Church of England, in an institution which is institutionally homophobic and has policies and attitudes towards the LGBT community which are harmful."
Father Foreshew-Cain has been a vicar for 27 years and is the vicar of St Mary with All Souls, Kilburn, and St James in West Hampstead.
He has told his congregation he plans to leave in July as his husband is now working 200 miles away.
He said after he married in 2014, he received a letter from his bishop saying he would not be allowed to work in another job within the Church.
"That's discrimination and in any other part of the world that would be illegal," he said.
A spokesperson for the diocese of London said: "Andrew Foreshew-Cain is currently a member of the clergy in the Diocese of London.
"We understand that he has plans to move to Manchester for personal reasons but the diocese has not received his resignation at this time."

The hosts had Josh Passley dismissed for bringing down Garry Thompson before Wycombe went ahead when Paul Hayes fired home Paris Cowan-Hall's ball.
Thompson later saw red for a challenge on Joss Labadie and the Daggers drew level through Luke Guttridge's tap in.
Wycombe won it when Cowan-Hall headed over keeper Mark Cousins from close in.
Dagenham remain in the relegation places, while Wycombe move up to sixth spot, above Leyton Orient on goal difference.
Dagenham & Redbridge manager John Still told BBC Radio London:
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"I know that we're capable that we're winning four or five games together. The side's getting stronger.
"The power in the team is beginning to come through. We showed good quality."
"As long as we keep to the pattern that we're working to, I think the rest will slip into place. There's so much good stuff, so much energy in our team today. We went down to ten men and you wouldn't have noticed."
A 63-year-old man will appear in court following the collapse of a pedestrian bridge on the M20 during last August's bank holiday weekend.
[NEXT_CONCEPT]
The first Church of England vicar to marry a same-sex partner has accused the church of being "institutionally homophobic".
[NEXT_CONCEPT]
Wycombe moved in to the League Two play-off places with victory at lowly Dagenham & Redbridge in a game where both sides had a man sent off.