I totaled my car and plan on filing two different claims. What's the worst that could happen?

I totaled my car & didn't have insurance.When I told my loan company, they force placed insurance on my account. They sent their adjuster out to look at it and he confirmed it was totaled. They deducted that amount from my loan AND LET ME KEEP THE CAR! They gave it a salvaged title. It is still drivable. At the same time, I reinstated my old insurance with Farmer's and told them it was a hit and run.They sent an adjuster out an again deemed it as totaled. They wanted to pay the loan up to the car's worth and TAKE THE CAR, but I still would have a little left over to pay on the loan from interest. I closed the claim with Farmers but they said I could re-open it at anytime. Now that the loan is paid off, I want to reopen the claim so that the money goes directly to me and I can get a new car. Will there be any consequences for filing a claim with two different companies?