I also remember seeing at the Museum of Science & Industry in Chicago (I live in the western suburbs of Chicago) that steam locomotives were more liable to tip over. I know for a fact that steam locomotives were in use in Russia at the time of the wreck in 1888 & that diesel & electrified locomotives werent available until the late 19th, early 20th century. However by the 1880's electric trolleys, subways & elevated trains were in use in cities such as London & Chicago. The New York subway I beleive wasnt completed until 1903. However a new law was passed by the late 1890's or early 1900's that steam locomotives were banned from entering Manhattan for two reasons: first was that they were causing property value to drop through the basement & causing pollution on a street, once the dirtiest street in New York, but is now synanomous with luxury: Park Avenue. The second reason was because the trains had to enter Manhattan through a tunnel & the tunnel was filled with blinding & chocking coal smoke. Eventually things got so bad that a passenger train collided into the back of a freight train in this tunnel because the smoke in the tunnel was so thick that the engineer couldnt see the brake lights of the frieghter. This accident caused fatalities & caused a law to be passed, banning steam locomotives from entering Manhattan & making electrified locomotives (powered by a third rail) the rule, but I'm sure there were instances when passangers were electricuted.