There is a little danger with lighted cars and locos… if you have a passenger truck, for example, and it has 2 axles, often the pickup is from both left wheels and/or both right.
So the 2 wheels can span the gap, and make a really nice short, right from wheel to wheel, normally through some thin wires.
This is the same for locomotives.
Theoretically, you need to make the insulated section longer than the wheelbase of any truck that has power pickup.
On top of this, there is usually no protection between wheels with polyswitches or fuses, normally a single wire representing 2 or more wheels on a truck is fused, so this does not protect from this type of short.
On locos you often see this when a loco derails in a switch, and some wheels are on the stock rail, and others on the points which are normally of opposite polarity.
For these reasons, either setting the polarity correctly as soon as a short is detected, whether relays or solid state, is a better solution. If the circuit can react quickly, often there’s no more than a small spark, the same as normal pickup sparks (watch track power at night)
Greg