Mr Goodall said the silver car went across the road and smashed into a roadside barrier.
It appeared the truck and trailer rolled and collided with another northbound car, crushing the vehicle.
The truck driver managed to free himself from the cab and ran to a house less than 50 metres away to raise the alarm.
He was taken to hospital, as was the elderly driver of the silver car, to be checked before being released.
The driver of the crushed car was trapped but cut free by firefighters. He was also taken to hospital as a precaution. However his female passenger died at the scene.
Whangarei firefighters working at the accident site stood with their heads bowed as a kaumatua blessed the scene.
"This crash is continuing a grim trend on top of a bad October. We have seven fatalities in eight weeks now," Mr Goodall said.