It depends on the situation. If it is safe to hang around waiting for her to sink, I have waited for as long as 3 - 4 hours (game time) for a ship to sink. If the weather allows, I use the deck gun to finish her off if she doesn't sink in time. If not, and I am in a rush or think she won't sink, I use a second torpedo, but in a different spot on the target.
In rough weather, there's a good chance she'll sink eventually on her own.
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