|Seems like a simple statement.|
I guess you could get the OEM hard drive diags to see why smart has failed.
To access data may be difficult if you can't boot. Might be able to boot to a PE or live cd and use testdisk if the drive even works.
The answer is to have backups before a failure and then when you replace the hard drive you have a way to get the data back.
Hang up and live.