diff --git a/src/openai/lib/streaming/_deltas.py b/src/openai/lib/streaming/_deltas.py
index a5e1317612..43acfcf296 100644
--- a/src/openai/lib/streaming/_deltas.py
+++ b/src/openai/lib/streaming/_deltas.py
@@ -37,6 +37,20 @@ def accumulate_delta(acc: dict[object, object], delta: dict[object, object]) ->
                 acc_value.extend(delta_value)
                 continue
 
+            # Build a map from logical index -> position in acc_value so we can
+            # look up existing entries by their "index" field rather than by
+            # physical list position.  Using physical position breaks when a
+            # single chunk contains multiple entries that share the same logical
+            # index (e.g. speculative-decoding servers that split the first
+            # tool_call entry across two objects both carrying index=0).
+            acc_index_map: dict[int, int] = {}
+            for pos, entry in enumerate(acc_value):
+                if is_dict(entry) and isinstance(entry.get("index"), int):
+                    logical_idx = entry["index"]
+                    # keep the first occurrence if there are duplicates already
+                    if logical_idx not in acc_index_map:
+                        acc_index_map[logical_idx] = pos
+
             for delta_entry in delta_value:
                 if not is_dict(delta_entry):
                     raise TypeError(f"Unexpected list delta entry is not a dictionary: {delta_entry}")
@@ -49,15 +63,17 @@ def accumulate_delta(acc: dict[object, object], delta: dict[object, object]) ->
                 if not isinstance(index, int):
                     raise TypeError(f"Unexpected, list delta entry `index` value is not an integer; {index}")
 
-                try:
-                    acc_entry = acc_value[index]
-                except IndexError:
-                    acc_value.insert(index, delta_entry)
-                else:
+                if index in acc_index_map:
+                    # merge into the existing entry at the stored physical position
+                    pos = acc_index_map[index]
+                    acc_entry = acc_value[pos]
                     if not is_dict(acc_entry):
                         raise TypeError("not handled yet")
-
-                    acc_value[index] = accumulate_delta(acc_entry, delta_entry)
+                    acc_value[pos] = accumulate_delta(acc_entry, delta_entry)
+                else:
+                    # new logical index: append and record its physical position
+                    acc_index_map[index] = len(acc_value)
+                    acc_value.append(delta_entry)
 
         acc[key] = acc_value