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Incredible 2 "SD card unexpectedly removed"

Quite unexpectedly (the phone hasn't been dropped or otherwise damaged) on my screen: "SD card unexpectedly removed". Ok. But the card is still plugged in, hasn't been touched since I got the phone. So I shut the phone off, remove the battery and the SD card and put everything carefully back together in hopes it was a fluke but still the same error message appears. All my data is lost! I tried a factory reset to no avail. WHAT HAPPENED?! I can't access the camera function, all of my photos, music, contacts, are gone! Please help!