Jacobi Journal of Insurance Investigation

Unveiling the truth behind insurance claims.
Protecting integrity in every investigation.

VICKSBURG, MISSISSIPPI — Women Charged With Fraud: A routine stolen vehicle report took a surprising turn on March 21, when authorities discovered a partly submerged SUV in the Mississippi River—the same one reported stolen just moments earlier.

Suspicious Discovery in the Water

After receiving the initial 911 call about the stolen Ford Expedition, a second call came in about a vehicle found in the river near a landing. Local responders, including the Warren County Sheriff’s Office, fire-rescue crews, and search teams, rushed to the scene. Women Charged With Fraud

Using a skiff launched from a nearby boat, authorities conducted a thorough search. However, they found no one inside the SUV or in the surrounding waters, according to the Vicksburg Daily News.

Fraud Uncovered

Soon after, investigators confirmed that the submerged Ford Expedition belonged to Heather Kay McCoy, the woman who had reported it stolen. On April 1, law enforcement arrested McCoy and charged her with insurance fraud.

Authorities also arrested Amber Spencer, whom they identified as an alleged accomplice. She was charged with conspiracy to commit a felony.

Next Steps in the Case

Although officials did not release details on how they quickly uncovered the fraud attempt, both women posted bail. The case is now pending a grand jury review, expected in the coming weeks.

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