My phone- HTC One V reboots when I insert my SDCARD
No, that "fooling" needs deeper access into the system, and thus requires root.

But apart from that, I'd recommend trying it with a different card. Important: not the same brand and size and class; try e.g.


a card from a different manufacturer
switch between classes (class-6 is good enough, it does not have to be class-10)


There are several incompatibilites reported here and there, and in most cases a card from a different brand worked fine. Maybe you can borrow some from friends if you cannot effort to buy a bunch.

I always buy microSD with SD adapter, so in case of incompatibility I can use it in my camera or other devices, and the buy was no loss in any case.