When one looks at the particular situation, it's not hard to see how the train derailed.
The car was *not* at a crossing, but parked on the tracks. This fact alone makes it more likely that the car would be pinned underneath the pilot as parts of the frame of the SUV would likely have been much lower in relation to the train than the more common collision at a grade crossing.
It also appears that the train pushed the SUV along in front of it until a switch was encountered, and it's at this point that some part of the SUV became wedged between the switch parts and the leading wheel(s) of the cab car, causing the cab car to pick the switch and derail.
Given that, it's virtually certain that that had a locomotive been leading, a derailment would also have resulted in this case.