I know that crossing, my wife when we were dating did not live far from there, and one of the things being left out of the accounts is the crossing gates are pretty far from the tracks, if her jeep had the bar on the back of her car, I don't think her car was on the tracks if my memory serves me correct (and it is now well over 30 years since I have been there). Had she stayed where she was, I don't think the train would have hit her, she basically if the accounts are correct drove forward (probably panicked), and was hit.
I don't know why she went through the gates in the first place, unless the guy behind her pushed her under the gate, she had to have driven when the gates were already flashing and making sounds, even if not down. She probably assumed that because the gates were not down, it was safe (stupid, what if the gate was stuck in the up position?).....and yes, they spend a lot of time with telling people about railroad crossings, in drivers ed classes and so forth, but it is also possible the person got a license without ever having any kind of driver's ed or the like, and ignoring the operation lifesaver and such, thought from what I read she was not young, presumably had been driving a long time. Maybe traffic was so backed up that she thought she could get across the tracks and was trapped? The last account I read said that she was out of the car, waving her arms, trying to get the train to stop, so I don't know how she got killed, did she get back in the car to try and get away again?
In the end, the NTSB will figure that out, and in the end it doesn't really matter, in the sense that a bunch of people are dead. Whatever mistakes the woman made, she leaves behind a family grieving for her, as do the poor souls on the train who died. It was a vicious accident, and the NTSB guy said that as bad as this was, there is a miracle in that more did not lose their lives, apparently the third rail went through the car and two cars on the train after getting ripped up....so if there is any silver lining to this, it is that more were not killed.