Jones scored with 53 seconds remaining then the Catamounts stopped the Mocs on downs near midfield to preserve the win.
A 26-yard touchdown pass from Preston Hutchinson to Camden Overton gave Chattanooga a 29-24 lead with 6:13 left. The Catamounts (6-5, 4-4 Southern Conference) then drove 75 yards in 14 plays capped by Jones's clinching touchdown.
Hutchinson was 29-of-48 passing for 323 yards with four touchdowns for the Mocs (7-4, 5-3). He was intercepted once.
Western Carolina's Cole Gonzales completed 24 of 38 passes for 224 yards with two touchdowns and an interception.
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