Witness Leah Conway, who lives opposite the railway crossing, said she was surprised to not hear the train approaching the intersection.
She didn't notice the warning bells sounding either until after she had heard the noise of the crash.
"I didn't really want to go and look, I didn't know what it would be like," she said, talking about the aftermath of the crash.
She said the railway crossing does not have traffic barriers.
KiwiRail's group general manager of asset management David Gordon said a 716m long freight train ferrying goods between Auckland and Tauranga struck the car.
"KiwiRail is saddened by the loss of life and offers sincere condolences to the friends and families of those affected," he said.
"This is a terrible accident to occur on what is a busy stretch of line at a crossing with bells and warning lights, which our monitoring system shows were operating at the time.
He said the train driver was not injured in the collision but has been stood down from duties and will receive additional support as is usual procedure.
"Events like this are extremely traumatic for our people and every assistance will be offered to the driver," he said.
The New Zealand Transport Agency warned motorists to expect delays after the serious crash.
Update: SH26 & Piako Rd (Morrinsville) are closed following a serious crash. A detour is in place via local roads. Expect delays in area ^LC pic.twitter.com/4u1tscsYfC
— Waka Kotahi NZTA Waikato/BoP (@WakaKotahiWaiBP) March 23, 2017
It started with a group of eight men wanting to set up a club, now 100 years later the Rotorua Club has more than 400 members and is still going strong.