<p>With the increasing adoption of eco-friendly vehicles, such as electric and hydrogen-powered cars, concerns about underbody damage due to stone chipping have become more critical. In electric vehicles, where batteries and fuel cells are mounted on the underbody, impact damage from stone chipping can compromise structural integrity and lead to severe safety hazards. In this study, the effect of wheel speed on the distribution of impact forces caused by stone chipping was analyzed through both simulations and experiments. The discrete element method (DEM) was utilized to simulate the stone chipping phenomenon, and the accuracy of the results was validated by comparing them with experimental data. Using the validated model, simulations were conducted to analyze the impact force variations caused by changes in underbody cover design. The findings of this study provide insights into the effect of shape modifications on impact force distribution, contributing to improved underbody protection in vehicle design.</p>