Methinks you should've whacked him immediately after the "You're a bad ref" comment.
If you think that's what he said but you aren't 100% sure, give him a quiet "Do you want to repeat that, Coach?". If he repeats himself, then he's definitely earned the T. If he doesn't repeat himself, you've given him a chance to get out of the situation.
Similar to what I do when a player drops an F-bomb in frustration at himself that's quiet enough that nobody else heard it except me. "You said 'truck', right? Because if you said something else I might have to issue a technical foul"
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