First off, a disclaimer - all software is subjective - the BIOS included. They don't report the actual temperature, more their interpretation of the data that they are fed - the only true measure of the temperature is the CPU itself, the one which will cause the PC to switch off instantly (which the BIOS can also do). That said, the core temperatures are generally accepted to be fairly reliable with the Core1 series upwards - far more reliable than the ones used in most motherboard software and the BIOS. Still, software which reads the core temperatures can still vary by up to 5c in my experience, depending on the chip and software used.
With that out of the way, the temperatures you should be looking at are the 2 core temperatures. I'd say with those temperatures the fan probably ought to be on. The graphics card is OK (they'll happily reach 90c, and the fan speed ought to scale as that temperature rises), so I'd imagine it's the CPU temps which are causing the fan to kick in.
The temps aren't bad (that CPU is designed to shutdown at 90c apparently) but I'd say that they're high enough to warrant the fan to be on. The hard drive temp is a bit higher than I'd expect, but they are designed to run a bit warmer in laptops, and they don't trigger the fan to kick in.
It's certainly not indicative of an imminent failure.