When I was referring to the cargo not being covered, I was talking about the insurance company not covering it. I will never understand how the cargo being stolen while sleeping in the truck under off duty status could make it supposedly not be covered. But I don't want to find out.
Regulation references are as follows
Sleeper berth - 49 CFR 393.76
Record of duty status - 49 CFR 395.8
Window tint - 49 CFR 393.60