I grew up in East L.A. literally living on a corner, next to the A.T.S.F. mainline on the "avenues" for 14 years. There were lights and bells for 11 city block on this urban section of track. I saw the remains of at least a dozen men (not kids) who were hit, and an unknown number of teens in a sedan that "raced" the train and lost. Truly hidious stuff. An F7 at 40 MPH is amazingly deadly. No crossarms or any other obsticles.
Also, the last year I lived there, my mother got her licence (she was over 40!) and bought a car, it was parked in front of our house. A drunk hit the roadbed at fifty or more, caught air and his 56 chevrolet landed literally on top of my mom's brand new ten day old 1963 Ford Fairlane 2 door. Not a train accident but funny to this young kid as I lifted the drunk out of his car with a broken arm. I didn't see it, but I heard it while we watched Soupy Sales on TV before dinner.