First question: Do you own a laptop? Have Vista, perhaps? Regardless, the same thing happened to me. I'm not sure what I did to make it work cause I did around ten different things, so let's see...
-Clean out your computer. Uninstall all those games that you don't like anymore and defrag. That should fix the hard drive problem. Not that it did for me, though.
-Make sure you install the largest or a large portion of the game onto the computer. If you install F02 on its smallest setting there's a whole other problem with it not being able to find some file.
-Try running the executable in compatibility mode, and fiddle with all the settings of the game after you right click it.
-If all else fails, keep fiddling! You can't screw anything up.
Hope that helps.