To understand how a bad sector occurs it is best to know what a bad sector is: physical damage to the disk that prevents that portion of the disk from storing any data.
Probably the most common cause of bad sectors is too much heat. It could also be caused by "scratches" on the disk from normal wear and tear (including sudden shutdowns, sudden movement, etc.). (Better built drives implement standards that do better at preventing this.) Defects in the manufacturing process are also a cause. I suppose moisture or dust could get into the disk as well, but this is probably less likely in this day in age.
Your options:
1- Sometimes a reformat can help. Try a zero-out data.
2- Although I've personally noticed that Maxtors have a tendency to get bad sectors, you may not be out of luck. Few people are aware that most hard drive companies offer very good warranties (which is probably why the warranties are good). You should contact Maxtor and see what they can/will do for you, if anything.
Many argue that bad sectors can be caused by your OS improperly arranging files or something. I'm not certain this is true. Although, bad sectors can "spread" when an OS tries to overcome the bad sector by some type of remapping, this does not cause physical damage to the disk that cannot be overcome (at least I can't see how it could).
The best preventative measure would be to treat your hard disks as you would a newborn.