"I was looking out the window 'cos someone had a cute dog with them," she told AAP.
"It's wild (sic) no one was more seriously injured."
Police have collected dozens of witness statements but are yet to decide which driver was at fault or whether the traffic lights malfunctioned.
"Somebody has gone through a red light but whether it was the tram or the truck, we don't know," Senior Sergeant Stephen Wilson told reporters.
Firefighters are on scene cleaning up diesel leaking from the truck.
Rail Tram and Bus Union national secretary Phil Altieri says the tram union is very concerned about the crash area, where the tram line through Royal Park intersects with the Elliott Avenue.
"There was a very, very bad tram and truck (collision) a couple of years ago and our member was very badly injured and is still not driving," he told 3AW.
"It is a bit of a hotspot ... it shouldn't be a problem but it is."
- AAP