It can be due to time compression too. I experienced, and other players reported too (even in earlier versions) that our subs would suddenly be ultimately damaged, with the death sequence displayed, without that any of us could explain why.
I could find no explanation at this date.
But I experienced it 3 times yesterday, and gave up using high values of TC when submerged. This can even happen at periscope depth, some reported. Personally, I experienced this while submerged at 65 m in a Porpoise, with a speed of 4 knots. So, in safe conditions, considereing I had no damage at all.
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