insurance claim question (hidden damage)

510z

so back in september of 08 I was involved in a motorcycle accident (not my fault) and laid the bike down at about 15mph. State farm repaired my bike at a cost of 2,800 and paid me an injury settlement of quite a bit more. Now I have not really ridden the bike much since then mostly because I got the Z. A couple of weeks ago I rode the bike and noticed high engine temps. Thinking it was the thermo cooling switch I replaced it. No luck. Fan still wasnt coming on. Then I got down and tried to spin the fan with my fingers and found it was wedged against the radiator. Metro motorsports should have easily noticed that since there were scrapes on the side of the radiator cover. The bike is a suzuki sv1000s and was semi naked at the time. frame sliders too brunt of the impact. what are my options. I spoke to my father and he said repair shops do supplemental claims for hidden damage all the time but i really have no experience with it.