It's not even just the price of a ship and cargo at risk. Lead times are around 2.8 to 3 yrs for crude tankers and around 3.5 yrs for LNG carriers. That's a long time to not be able to conduct business even if insurance did pay out. It is 100% rational to sit out a few weeks to figure out how to resume operations safely rather than trying to sneak through and hope for the best.