There is a very quick and easy test I always run FIRST when there is any question about if the fans are working or not - which will give you a definite answer...open the hood, start the car, and just turn on the A/C - immediately when you turn it on BOTH fans should start. (Note that they don't stay on permanently - they will cycle on and off over time but they should DEFINITLY start right up when you first turn on the A/C and run for a bit.)
If they don't run you can disconnect the wires to the fan, use a pair of jumper wires and go directly to the battey from the 2 wires on the fan - if it still doesn't run the fan is bad - if it runs then the fan is good, and then you should check the fan relay switches, or the fuse, or look for a bad wire somewhere - or perhaps the connections are corroded.
That should give you a few things to check.
If the fans aren't working though whatever you do DON'T DRIVE THE CAR!! It will overheat for sure, and overheating a honda is one of the few ways you can kill one!!
As for the fan hitting the plastic - it's possible the bearing in it is bad and causing it to wobble - allowing it to hit the fan shroud - you may just need a new fan.
Hope this helps you out - let me know if you've got any questions.
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