After my blowout panel got shoot my reload got VERY long

so maybe you guys are just thinking “of course your reload will be long your loader need to get it from the second stage ammo rack” but the thing is i dont think it should get this long, it was like 2,5 minutes long. what is this?? a feature? at the time i also observe the reload indicator(?) both on the reticle and the ammo and both goes jittery like the reloader got some stroke or something. unfortunately when i see the replay on game it didnt show. and also it seems like i lose my shoot ready APFSDS?? wth?? or maybe in this one im at fault because maybe i did reload the HE but i didnt remember i did because i dont see the need to reload one in the first place (no air unit). so maybe you guys have the same experience or maybe just know this is “a feature” or something because i dont think this is make sense.

Hello there, maybe your Loader was injured? Or maybe the Gunner was injured, and had to also load?

What vehicle? what level of reloading on crew?
dead loader? injured gunner?