I don't know about a partial sinking like the one pictured, but submersion causes a lot of damage. Most boats sunk at the dock are totaled out. The oils and other fluids go all throughout the boat, not to mention the lake. Seats and vinyls are usually ruined, as is carpeting. There's rust and other considerations, not to mention the engine itself. To add insult to injury, there can be rather large EPA and other fines to pay.
Bone up on your insurance policies.
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