McCoy was born in Austin, Texas in 1958. He grew up in Bethesda, Maryland, and attended Walter Johnson High School, graduating in 1976. McCoy briefly attended University of Maryland, College Park. He worked briefly at the Harlequin Dinner Theater in Rockville. McCoy began acting when he appeared in two plays in the student-directed one act festival: Winners by Brian Friel, and Footsteps of Doves by Robert Anderson. Moving to New York City, he graduated from Neighborhood Playhouse School of the Theatre in 1979.
Since starring as Sgt. Nick Lassard in Police Academy 5: Assignment Miami Beach and Police Academy 6: City Under Siege, his motion picture credits have included White Wolves: A Cry in the Wild II, the Curtis Hanson films The Hand That Rocks the Cradle (1992) and L.A. Confidential (1997), as well as the action comedy National Security (2003) alongside Martin Lawrence and Steve Zahn.
He has worked regularly on television. His credits include starring in the sitcom We Got It Made, and guest appearances on The Love Boat; Murder, She Wrote; Star Trek: The Next Generation; The Golden Girls; The Nanny; L.A. Law; Melrose Place; NYPD Blue; Chicago Hope; Sabrina, the Teenage Witch; Six Feet Under; The West Wing; Carnivàle; CSI: NY, Silicon Valley; True Detective; Studio 60 on the Sunset Strip; Reba and Huff. He played Lloyd Braun in two episodes of Seinfeld. He appeared in three Bigfoot-themed movies: Bigfoot: The Unforgettable Encounter (1994), Little Bigfoot (1997) and Abominable (2006).
In 2014, McCoy began appearing as spokesperson in commercials for The Hartford Insurance Company, of which he was identified as a customer on the “compensated endorser” principle.
In 2019, McCoy once again appeared as spokesperson in television commercials for The Hartford Insurance Company. These commercials were directed towards AARP members
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