Can I still be fined for this?

Ok so I own a iPhone 6 and have insurance covage incase of accidental damage or loss my carrier is also T-Mobile. About a month ago I cracked my screen and my mom said she'd pay the little the insurance company said I had to pay to replace the phone around Christmas time. A day before my mom was about to pay for the new phone I had lost my phone thinking it would never turn up again so we claimed it lost to the company and about 3 hours after we paid the 175 I found the phone in my sofa cushions. Like I thought I looked everywhere for the phone but couldn't find it. My mom swore of proof online that the phone was lost and originally we were suppose to send the phone back and they would send another replacement but I LOST THE PHONE! Will we still get fined? What should we do? I'm 16 btw

The old phone is blacklisted now so its not usable anyways.