I have a sudden black spot on my Verizon Wireless HTC Droid Incredible 2. Will Verizon repair or replace my phone for free?

There are conditions for a broken phone to be fixed not only by Verizon, but by any provider. How old is the phone? Usually, new phone have a 1 year warranty and it will be fixed. If it\'s over 1 year old, is there insurance on the phone? Also, how did the spot get there? If there is insurance on the phone and if the insurance covers how the spot appeared, then yes with a small fee the provider will fix it.