Police believe a van which plunged off a bridge into Tauranga Harbour last night, killing the driver, had been hit by a car which crossed the centre line.
Four people were injured in the three-car crash on the Maungatapu Bridge and a police officer suffered hypothermia when he jumped into the water to rescue the van's 23-year-old passenger.
The officer and the passenger were taken to Tauranga Hospital.
Police said early indications suggested a Mitsubishi travelling east towards Mount Maunganui had drifted across the centre line and hit the van travelling in the opposite direction.
The van left the bridge and plunged to the bottom of the 5m-deep water while the Mitsubishi spun. Another car, which had been travelling behind, then struck the Mitsubishi.