> isnt there a separate fuse for the headlights under the dash as well? or
no?

Yup -- but that one is common to all lights (high and low beams). Since the
high beams are working, that fuse must be ok.
The other four fuses (left/right high/low) are in series with that one, I
think -- don't have his accord schematic, but that is the way it looks on
the one I have.