Submarine Collision when loading saved

[Axe]

I've done some searching through the forums and havn't come across any relevant information to my issue. Many times, when I load a saved game, when it finally gets started, everything goes haywire. The sub experiences a "collision", everything breaks and everyone dies. This happens sometimes even if I save while on the surface and cruising at slow speed. Any ideas why everything suddenly falls apart loading the game?

Axe