The threat of rockfall impacting bridges in mountainous areas poses a great risk to the safety of passing trains. This study delves into the dynamics of rockfall impact and its implications on the interaction between train vehicles and bridges. Leveraging LS-DYNA, this study first captured the force–time history of rockfall impact on bridge structures. Subsequently, there was a comparison with the impact forces generated at various speeds with those predicted by established formulas, validating the accuracy of simulations. Employing BANSYS software, the dynamic responses of both bridge structures and the vehicle–bridge coupling system to falling rocks were analyzed. The investigation encompassed parameters such as impact speed, position, and train location. The findings reveal that escalating impact speeds correlate with increased average and maximum impact forces from falling rocks. Notably, the average impact force does not linearly correspond with rock speed and often exceeds values calculated by conventional formulas. Impact position minimally affects maximum impact force, yet alterations in position prolong impact duration, consequently reducing average impact force. Rockfall-induced impacts precipitate notable spikes in train lateral acceleration, lateral wheelset force, wheel unloading rate, and derailment coefficient, albeit with a comparatively lesser impact on vertical acceleration. Increasing impact speed and altering position intensifies the vehicle’s response, particularly when the train is in close proximity to the impact site.