If one train is travelling at 55 mph and the other at 45 mph, then the distance between them is diminishing at a rate of 100 mph. So, if they are 125 miles apart when they start, it will take an hour and a quarter for them to collide.
The fly will therefore be travelling at 85 mph for a hour and a quarter, and will travel 106.25 miles.
_________________________
Dilige et quod vis fac