Helen Gable was taking pictures on the railroad tracks in Tupelo in 2006 when a train nearly cut off her leg as she tried to get out of the way.
Gable and her husband are suing the railroad company for nearly $6 million.
Gable says the company should have posted trespassing signs to keep people away.
The lawsuit also claims the train was exceeding federal speed limits and that a cable was hanging off the side and cut her.
BNSF Railway Company spokeswoman Suann Lundsberg said the company is investigating and is sympathetic to Gable's injuries, but "she admits in her lawsuit filing that she was trespassing" to take photos on the track.
Lundsberg also said BNSF has equipment that detects if something is hanging or dragging from a train.