Comprehensive understanding related to the dynamic responses of the composite materials is critical to prevent natural disasters in underground engineering and mining activities. For this reason, experimental studies were undertaken using dynamic impact tests at different strain rates to explore the failure mechanism using split Hopkinson pressure bar (SHPB) system and Digital Image Correlation (DIC) on composite materials; coal-rock (C-R) and rock-coal (R-C). These results suggest a linear correlation between dissipative energy and fractal dimensions. In addition, they suggest cracks that develop predominantly on the coal side have a dominant influence on the failure process that could be attributed to the interface effects. The damage evolution was established assuming elastic conditions using a three-dimensional coupled FDM-DEM numerical simulation system. A numerical approach is also developed for interpreting failure mechanism of the composite material based on the fabric tensor and strain energy density. Finally, a constitutive relationship is established considering strain rate effect and damage evolution using series element studies. There is a good agreement between the experimental and numerical results, providing justification to the proposed constitutive relationship. The numerical approach in this study is promising for assessing the performance of composite materials taking account of dynamic loading conditions.