UPDATE at 11:06 p.m.: The driver killed in the crash was identified as 69-year-old Judy Kay Peer.
The warning gates were extended with flashing lights and a ringing bell, according to police.
After one train passed, Peer drove around the gate and was hit by another oncoming train.
One person was killed when the vehicle they were in was hit by a train, Chattanooga police spokesman Rob Simmons confirmed.
The incident happened just before 6pm near the 2200 block of Hamill Road.
Chattanooga police are on scene and Norfolk Southern transportation company is sending a representative as well.
Stay with the Times Free Press. This story will be updated when more details are available.