This study proposes a simplified analysis method that couples the bridge and train-track subsystem in a weak form to facilitate the dynamic analysis of the train-track-bridge coupled system (TTBS) under earthquakes. The method includes three main steps: (i) performing dynamic analysis of the bridge under seismic conditions to obtain the response of the bridge deck; (ii) interpolating the bridge displacement beneath each wheelset based on the train's velocity, departure time, and the initial positions of the wheelsets; and (iii) assessing the running safety of the train by incorporating the interpolated bridge response as track irregularity into the train-track coupled system. Steps (i) and (iii) can be analyzed separately using finite element and multibody dynamics software, eliminating the need to create a complex TTBS model that is challenging to achieve within a single software platform. Additionally, based on the method’s assumptions, the earthquake excitation on the train can be separated into the seismic inertial effect and seismic-induced bridge deformation, enabling a quantitative analysis of the impact of these two types of excitations on train safety. Taking a 10-span simply supported bridge and a long-span cable-stayed bridge as examples, the proposed method’s assumptions are verified by comparing its results with those obtained from a complex TTBS model. Furthermore, the impact characteristics of inertial effects and seismic-induced bridge deformation on train safety for these two types of bridges are analyzed. The proposed method offers robust support for seismic design of bridges and facilitates a comprehensive analysis of the mechanisms through which seismic excitations affect train safety.