There is nothing you can do to avoid a crash. Certainly, backing up your data is the best way to save yourself money in situations where hard drive repair is necessary. But, what if you did not back up your drive?
Recent statistics show that a large majority of PC users do not backup, so if you haven't you are not alone. But in cases where your hard drive has physically failed, you are going to need help. Today's hard disk technology is simply not for the do it yourselfer.
Although your data can be recovered in almost every case, if the problem is the hardware them simple data recovery software probably won't help. You may need to remove the HDD from your computer and take it to a service center.
When your system is just not booting at all, or your drive is making loud noises, or no noise at all (and no disk drive light activation), it is quite likely you have experienced hardware failure, and that means you will definitely need professional help.
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