mine too - but he might have seen that it went down with the driver’s side door wide open, making it obvious that the car was unoccupied. another clue: all the people nearby look unhappy but not frantic.
is a submersion like that a total loss? or, if they tow it out immediately could there be some salvage value?
I would think it would be loss just for the mold/mildew issue. How do you ever completely dry it before mold/mildew sets in? Even then, it’s going to leave salt, scum, and biological residue.