Published: Jun 17, 2026
A broken-down Jaguar and a $350 cash handoff at National Harbor set in motion a federal conspiracy that ended with a jury verdict against a Prince George's County police chief.
WBFF (FOX45 Baltimore) reports that Davion Percy, 40, of Suitland, was convicted by a federal jury on one count of conspiracy to commit mail and wire fraud. The auto insurance fraud conviction stems from a staged vehicle theft targeting Liberty Mutual Insurance, according to an announcement by Kelly Hayes, U.S. Attorney for the District of Maryland, as cited by WBFF (FOX45 Baltimore).
How a Broken-Down Jaguar Launched a Federal Fraud Case
The trouble started in late 2019, when a 2007 Jaguar XKR owned by Maryland-National Capital Park Police officer Conrad D'Haiti, 56, of La Plata, developed significant mechanical issues. D'Haiti had purchased the vehicle earlier that year, and the repair costs threatened to leave him stuck paying off a loan on a car that no longer ran reliably.
Rather than absorb that financial hit, D'Haiti and his co-conspirators devised a different exit strategy: fake the theft.
On January 4, 2020, D'Haiti parked the Jaguar at the rear of the Marlow Heights Shopping Center, following directions from Percy, who was then serving as chief of the Marlow Heights Special Police Department. Later that same day, D'Haiti handed Percy $350 in cash at National Harbor to help finance the staged theft operation.
Three weeks later, on January 23, a Liberty Mutual special investigator discovered the Jaguar vandalized in Marlow Heights. The scheme was already in motion, and the paperwork was following close behind.
The Roles Each Officer Played in the Conspiracy
Three law enforcement officers, each from a different department, divided up the work of making a fake theft look real.
Percy, the alleged architect, directed both the vehicle drop and the cash payment. He used his position as a police chief to coordinate the staging and ensure the right people filed the right paperwork.
Prince George's County Police Department officer Michael Anthony Owen Jr., 37, of Accokeek, joined D'Haiti in making a false theft report to a Prince George's County police officer. That officer then filed a fictitious police report, creating an official document the conspiracy needed to move forward.
D'Haiti completed the fraud loop by submitting that false police report to Liberty Mutual to support his theft claim. The claim itself was designed not just to collect cash but to eliminate D'Haiti's remaining loan balance entirely, turning an unreliable car into a financial escape hatch.
How Investigators Unraveled the Staged Theft
The first crack appeared when Liberty Mutual's own special investigator located the Jaguar vandalized in Marlow Heights on January 23, 2020. That discovery triggered closer scrutiny of the claim.
Federal prosecutors, working from court documents, reconstructed the timeline in precise detail: the January 4 vehicle drop, the $350 cash exchange at National Harbor the same day, the false police report, and the eventual insurance payout in February 2020.
The paper trail connecting Percy's directions to D'Haiti's actions, combined with the physical recovery of the vehicle, gave investigators what they needed to bring a federal conspiracy case. A jury ultimately agreed, convicting Percy on the conspiracy charge.
By the Numbers: What This Fraud Actually Cost
The financial anatomy of this scheme is worth examining closely, because the numbers reveal both what was at stake for the conspirators and what it cost everyone else.
| Liberty Mutual payout to Navy Federal Credit Union | $17,585 |
| Cash paid by D'Haiti to Percy to stage the theft | $350 |
| Maximum federal prison sentence Percy faces | 20 years |
| Number of law enforcement officers charged in conspiracy | 3 |
The $17,585 Liberty Mutual paid went directly to the Jaguar's lienholder, Navy Federal Credit Union, effectively wiping out D'Haiti's loan balance through fraud. Percy faces a maximum sentence of 20 years in federal prison, though actual sentencing will be determined by a federal district court judge using the U.S. Sentencing Guidelines and other statutory factors.
What This Conviction Signals for Insurance Fraud Enforcement
This auto insurance fraud conviction carries an unusual weight: every defendant was, at the time of the scheme, a sworn law enforcement officer.
Percy led a special police department. Owen served with Prince George's County Police. D'Haiti worked for the Maryland-National Capital Park Police. The conspiracy ran from December 2019 through February 2020, overlapping their active service.
That insider dynamic matters. When officers use their badge access to file fictitious police reports and direct staged crimes, they exploit the exact institutional trust that makes insurance systems function. Insurers rely on police reports as foundational documents in claims investigations. When those documents are fabricated by the people authorized to create them, the fraud is harder to detect and more corrosive to the system.
Federal prosecution signals that U.S. attorneys are willing to pursue these cases aggressively, even when the defendants hold law enforcement credentials. Maryland drivers already contend with some of the highest insurance costs in the mid-Atlantic region, and cases like this illustrate one reason why: fraud losses flow directly into premium calculations across entire markets.
What this means for you
Staged-theft schemes like this one inflate claims costs for every honest policyholder in the market. According to the Save Max Quote Index, drawn from 3.3 million+ real quote requests, fraud-related claim inflation consistently shows up as a pricing pressure in states with elevated insurance fraud prosecution rates. Review your comprehensive coverage limits annually to make sure your policy reflects your vehicle's actual value, not a number inflated by systemic fraud losses. If you suspect staged fraud in your area, report it to your state's insurance fraud bureau, because every confirmed case that goes unreported is a cost you and your neighbors absorb at renewal.
Consumers in neighboring states like Virginia and Pennsylvania face similar fraud-driven pricing pressures and can use the SMQI to benchmark their current rates against real quotes from their region.
What Happens Next in the Case
Percy's sentencing has not yet been scheduled, but a federal district court judge will make the final determination after weighing the U.S. Sentencing Guidelines and other statutory factors. The maximum exposure is 20 years in federal prison.
Owen and D'Haiti were named in court documents as co-conspirators, but the source reporting does not confirm the current status of their cases. The conviction of Percy, as the alleged director of the operation, represents the first jury verdict in the conspiracy.
The U.S. Attorney's Office for the District of Maryland, under Kelly Hayes, brought the prosecution. No further sentencing date has been publicly announced as of the time of this reporting.
FAQ
What was Davion Percy convicted of?
Davion Percy, 40, of Suitland, was convicted by a federal jury of one count of conspiracy to commit mail and wire fraud. The charge relates to a staged vehicle theft targeting Liberty Mutual Insurance between December 2019 and February 2020.
How much did the insurance company pay out in the fraud claim?
Liberty Mutual paid $17,585 to Navy Federal Credit Union, the lienholder on D'Haiti's 2007 Jaguar XKR, as a result of the fraudulent theft claim. The payout was designed to eliminate D'Haiti's remaining loan balance on the vehicle.
How does staged-theft fraud affect average drivers' insurance rates?
Insurance companies spread claim losses across their entire policyholder base through premium adjustments. When fraudulent claims are paid, those costs are factored into rate calculations at renewal, meaning honest drivers in the same market effectively subsidize the fraud.
What is the maximum sentence Percy could receive?
Percy faces a maximum sentence of 20 years in federal prison. A federal district court judge will determine the actual sentence after consulting the U.S. Sentencing Guidelines and other relevant statutory factors.
Were the other officers in the conspiracy also charged?
Court documents name Prince George's County Police officer Michael Anthony Owen Jr. and Maryland-National Capital Park Police officer Conrad D'Haiti as co-conspirators. The source does not confirm the current charge or conviction status of Owen and D'Haiti at this time.
About Aaren Ramon
Aaren Ramon is a Senior Analyst at SaveMaxAuto and owner of Elite Shield Agency. He covers carrier moves, regional insurance markets, and consumer-impact reporting from the agency-owner perspective. Read more from Aaren Ramon →
Edited by Cassidy Richey.
Methodology
This article is grounded in the source linked above. SaveMaxAuto data points referenced here are drawn from the Save Max Quote Index (SMQI), a proprietary instrument reflecting 3,364,317 real consumer quote requests submitted to savemaxauto.com. State and carrier rankings reflect the lifetime dataset; year-over-year shifts reflect a rolling 12-month window. The index is refreshed monthly. External authority figures referenced (NAIC, NHTSA, state regulators) reflect the most recent public data releases available at time of writing.
Sources
- Primary source: WBFF (FOX45 Baltimore), "Former Maryland police chief convicted in federal auto insurance fraud conspiracy case"