HTC Incredible :: Random Restarts - Lost Contacts - Messages - Random App Data

I've had my Incredible since 4/28, and everything has been working smoothly up until about last Thursday night when it just restarted out of the blue while I was listening to music. Then right after it booted up, it restarted again, then again about seven more times. I got fed up and took out the SD card and it seemed to stop after that, so I haven't put the SD card back in since then.

Just now, Wednesday, about a week later, I was browsing around on the internet and all of a sudden, it restarted, and then again, and again, and again. I've read that it is because of poor signal strength or something like that so I had just enough time to put it in airplane mode before it restarted again.

Side note, that theory about it being caused by poor signal seems to make sense because the first time it happened to me I was out of town in a city that gets very bad coverage with Verizon, and now today when it started happening again was at my house where for some reason I get very bad service with the incredible, my old phone worked perfectly fine in my house but the incredible gets terrible service, and so does my brother's Droid. In fact, about two weeks ago I got my first dropped call on Verizon in about three years, and it was in my house.

So anyways, I decided to put it in airplane mode, and just after I put it in airplane mode it restarted again. Then when it booted back up my Helix Launcher 2 home screen went back to the standard Helix Launcher 2 icons, I go into my messages and everything is gone, my contacts are all gone, everything is gone. I go to the app menu and all my apps are still there, but when I start up an app, all the custom settings are default now. I went into the settings and my accounts are all still there. I click on internet and I get a terms of service agreement, it's as if I am booting it up for the first time, but for some reason my apps and accounts are all still there.

I turn airplane mode off thinking it might have something to do with it not being connected to my google account, and I restart it again and everything is still gone. I don't know what to do, has this happened to anyone before? I feel like there should be a way for me to get this stuff back since my apps are still there and my accounts are still synced, but random things are missing like my contacts and messages etc. This is really starting to get annoying, I have insurance and everything, but I really don't want to exchange it for another one because I've read that other people who have had there phones replaced have still had the same rebooting problem, even after going through multiple replacements.