I don't quite understand what you mean.... if your boat sustaines damage you have time time fix it... if the damage and flooding is too severe you will start sinking to crush depth and die.
As long as your repair crew is good enough and you have enough time you can save your boat.... blowing ballast tanks has saved me before, when I was slowly sinking deeper and deeper.
What you are describing were it smashes to the "haha killed you" screen sounds like a depth charges must have exploded like 3 centimeters from your hull which will of course instantly kill any boat.
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