There is another aspect which leads the sim to show you that you crashed. It is the rather simplistic overstress and failure model. Which afaik or experienced looks at your IAS and if you exceed Vne kicks you out. This is obviously not how airplanes fail. Meaning that the whole thing immediately comes apart when you hit the red line.
A last aspect comes to mind, which we had a while back, where discontinuities in atmospheric data leading to jolts in altitude and airspeed and when close to Vne also to a virtual crash.