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Eight people were injured when a cement mixer lost control smashing through the wall of a railway bridge and landing on a train below.
Paramedics are treating two people in the wreckage but it appears the vast majority of passengers had a miraculous escape.
Rescuers said the two people still in the train were not pinned down by debris but could not be moved because of their injuries.
Six others received minor injuries in the accident which was reported to police just after 3.30pm.
The train was passing through Oxshott, in Surrey, on its way to London Waterloo when the huge vehicle left the road above.
Speaking from the train, one passenger told Sky News: 'The train just stopped, the lights went out and we were escorted to the carriage in front of us.
'We haven't actually been taken off the train yet. We're still in the carriage.
'But what we can see is them trying to get the lorry driver out and the dent in the carriage which the lorry collapsed on.'
Describing the moment of impact, he said: 'All the lights went out and we didn't actually know what happened.
'We thought we'd gone into the carriage in front of us, and then we saw that the lorry had gone on to the carriage.
'Everyone kept pretty calm actually. The train wasn't really full. On that carriage alone, I think there was only two or three people in that carriage.'
He added that emergency personnel had boarded the train and were keeping passengers informed and handing out bottles of water.
United Kingdom
