Use common sense.
If unprotected, LOOK and LISTEN. If view is obstructed, STOP, LOOK and LISTEN.
Keep in mind crossing protective devices ARE NOT FAIL SAFE. That is a popular misconception. There is usually battery back up for power failure, but there are other causes of protection failure. Twice in my own career I have operated trains, moving at track speed (40 MPH for one, 60 MPH for the other) and crossed highways with crossing protection that was INOPERATIVE.
You'll never have a freight train come looking for you, but they'll be quite indifferent about killing you, unless YOU stay out of THEIR way. What this means is, even with crossing protection in place, you still take life (or death) into your own hands when you cross.
Isn't a second or two spent in caution worth a life?
How about 100's of lives? A car and its occupants are usually immediately turned into graphite when hit by a train moving at speed, but the train can be derailed during the process. This can get others at the crossing dead as well when the train scatters all over hell and back. Of course, toxic and or explosive freight is nearly always present as well. Any lack of caution can have terrible consequence.