I guess there are many thoughts floating around the web, but here's some:
1.) There are lots of derailments happening, but these are usually very minor ones (in yards, or sidings) at low speeds, and often are rerailed without incident. Lots of subpar & wonky track around (hence the various classes of track - Class I track is 10mph max...which is pretty dang slow!)
Here's some
FRA track classes & speed limits
2.) Your examples are more grade crossings - well, this is always a big topic of discussion here, but the main problems (at least in the US) is there are lots of Grade Crossings (and need to be - you can't justify a bridge for a crossing of say 50 vehicles/day, yet there needs to be a connection to travel from one side of the tracks to, say a main road - even the UK, with supposed isolated main lines, has lots of level crossings - I do think for FRA Class 6 or higher you need no grade crossings, or some sort of 4 quadrant gates)
Now, a 2 ton car vs. a 200 ton locomotive, if it doesn't get wedge under the loco, the loco usually stays on the track...but a 40 ton truck, that's about a fifth of the loco's weight, hmm now you have a problem).
Major incidents (which tend to make the paper as apparently they are so photogenic), those are investigated rather heavily.