All of the answers, here, are just plain wrong. It has nothing to do with the frequency of crash, but everything to do with what happens in such crashes. In a car crash, whether a head on or t-bone, the deceleration is HIGH; that is, fast deceleration. That means your inertia tends to throw you into the windshield. Most train wrecks don’t have such deceleration, meaning you are not thrown forward like a car crash.
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