Any
wildlife taken into actual possession, unless
released unharmed immediately, shall continue
to be included in the daily limit of the
taker for the day when taken.

Here is what the law says, so I would guess if you have your limit and continue to fish and hook a crappie in the gills and dies that would be considered your 16th fish and you would be fined. I also fish with only thirteen or fourteen in my possession to be on the safe side. I learned something new today.