Hmm, I agree with the work you did.. But your analyzed the wrong portions of the problem. You analyzed them seperately, and then after hey have come together and after the fly has 'changed' its direction. You would have to analyze somehow theenergy of the fly and the train at the moment of impact, not any amount of time after wards as you suggested above.
The meat is to argue the logic of how the fly and the train come together. I would think.
take some more physics classes.
if you want to look at it from an energy standpoint you need to look at the impulse. We know some things, for example the train starts at 30 m/s, and ends at 29.99705 m/s and has a mass of 1000kg. The fly starts at -.5 m/s and ends up at 29.99705 m/s and has a mass of .1kg.
impulse = mass (vf-vi). which for the train and the fly gives us -2.95 and 2.95, which is expected per newton's 3rd law (forces being equal and opposite). So now you have the impulse of the collision, 2.95 Ns, and if you want to find the force imparted you need to know how long the collision takes. since we made up all the other numbers lets say the collision takes place in 1 ms, or .001 s. J=F*t, 2.95=F*.001, F=2950N.
Taking that further, F=ma so we can derive acceleration of the fly and train.
for the train 2950N = 1000kg*a, a =2.95 m/s^2.
for the fly, 2950N = .1kg*a, a = 29500 m/s^2.
g = 9.81 m/s^2.
the train experienced .3 g's of deceleration from the impact with the fly, while the fly experienced 3000 g's of acceleration which is major contributing factor in its death.
disclaimer:
Its been a long, long time since ive taken a physics class.