Firstly thanks to O L Leigh for a perfectly good explanation.
As he states, the nose of the crossing picks up onto the wheel tread and increases in size as the wheel passes into the crossing itself. There is no point where the wheel is unsupported.
Because however there is a "new" point of contact between the wheel tread and the crossing, inevitably there will be wear on the crossing nose which results in a slight dip over time. From this point onwards the wheel will start to impact the crossing nose with greater force, causing increasing damage to the nose itself, and damage to the wheel structure which will ultimately lead to the wheel fracturing.
The picture I enclosed earlier illustrates a well damaged crossing nose. At this stage the nose is developing fractures, and every wheel is being pounded as it hits the nose.
In due course the nose will fail catastrophically unless detected.
As for the wheels, they will develop fractures and they too will fail catastrophically at speed.
Because any discontinuity in the rail head is undesirable, it is becoming increasingly common on high speed railways, and especially heavy-haul freight railways, for the common crossing to be replaced by a swing nose crossing, thus removing the problem at source.
If I can find one, I shall post a photo of a wagon that derailed with a fractured wheel.
For the sake of clarity, the crossing is technically known as the "frog" something that is much used outside the UK, whereas we prefer to use the term "crossing nose"