Speed, not any curve in the road, is almost always a factor.

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INDIANAPOLIS — For the 11th time in 30 years, a speeding car has crashed into home here a few miles west of downtown.

Leigh and Tim McCall were sitting in their living room Sunday watching the Colts game, Tim McCall on the sofa, Leigh McCall in a recliner. The vehicle, a Chevy Equinox, crashed through a south wall, missing Leigh McCall by maybe a foot.

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On average a car crashes into the McCalls' house about every three years, according to the Indianapolis Fire Department. The couple has lived there for three decades.

This time, as has most often been the case, the car entered through the dining room.

Sunday accident's had no serious injuries, but in one of the earlier crashes some years ago a man was believed to have been killed, said Rita Reith, an Indianapolis Fire Department spokesperson.

The car's driver, Katie Anderson Spears, 29, went through the front windshield but was not hurt seriously. She told firefighters she was traveling too fast as she drove northbound, went over some railroad tracks that are about 150 feet from the McCall house, lost control, overcorrected, took out a chain link fence belonging to the McCalls' neighbor, then continued into the McCalls'.

The home is not on any curve in a road.

The same scenario has happened before, said state Rep. Justin Moed, who spoke to the McCalls and shared their account. The Indianapolis Democrat represents the neighborhood in the Indiana General Assembly. He said motorists may be motivated to beat a train; the speed limit there is 30 mph.

The McCalls' home is a duplex. Leigh McCall's mother, Pat Frazee, lives on the other side, which was unscathed. Frazee said that forcing the Warman traffic to stop at the cross street directly in front of her house would slow the speeding cars.

She said she has appealed to government officials regarding this matter but gotten nowhere. Even so, she said she had no plans to move.

"I'm staying," she said. "They'll have to carry me out."

The McCalls couldn't be reached for comment. They spent the night at a downtown hotel at their insurance company's expense, Frazee said.

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