The NFL has a '4th timeout rule' to get out of this happening, and besides the ZAP is not an NFL rule, NFL just hits you with yardage.
NFL RULE BOOK
INJURY TIMEOUTS AFTER TWO-MINUTE WARNING OF EITHER HALF
Article 4 After the two-minute warning of a half, the following shall apply:
(a) If a team has not used its three charged team timeouts, the team of the injured player will be charged a team timeout,
unless:
(i) the injury is the result of a foul by an opponent;
(ii) the injury occurs during a down in which there is a change of possession, a successful field goal, or an attempted Try; or
(iii) theopponentcallsatimeout.
(b) If a team has used its three charged team timeouts, an excess team timeout shall be called by the Referee, unless:
(i) the injury is the result of a foul by an opponent;
(ii) the injury occurs during a down in which there is a change of possession, a successful field goal, or an attempted Try; or
(iii) theopponentcallsatimeout.
Penalty: For the second and each subsequent excess team timeout after the two-minute warning: Loss of five yards from the succeeding spot for delay of the game.