His wife's scream was all that alerted an Auckland driver to an oncoming train.
Raj Anand says a rail crossing did not flash lights or lower a barrier arm before he crossed the tracks on Saturday night.
A KiwiRail spokeswoman acknowledged the incident would have been "distressing" but maintained the company's systems were operating according to its guidelines.
Anand told the Herald he and his wife, Seshli, were travelling to their Papakura home from work about 11.55pm on Saturday night.
He said he was driving slowly over the Crown Rd, Paerata, railway crossing because of cleaning chemicals in his van that he did not want to spill.