Devil's Advocate
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How does a responsible person stall a car on the tracks? If they were driving over the tracks with a clear path and stalled while crossing simple inertia would probably pull them off again. The likelihood that a car engine would fail at the precise moment that a car had just inertia to end up right on the tracks is likely to be minuscule. It seems far more likely that a clumsy and indifferent driver was sitting on the tracks in a poorly maintained vehicle with a history of stalling while waiting for traffic to clear or a light to turn green, in which case any resulting collision with a train is entirely on them.