Just because the bars haven't gotten down yet doesn't mean it is okay to cross the railroad tracks. If the lights are flashing and the bells are going that means stop.
https://www.youtube.com/watch?v=sHPkKOHBT_w Two cars do this in this video.
I feel bad for the passengers in vehicles of drivers who choose to ignore the signals at railroad crossings. The passengers can't help it that the driver chose to ignore the signals.