When you take the lump sum, the first thing to realize is that about 45 to 50 percent of the lump sum prize will be lost up front to pay income taxes. You'll need tax advice as to how much tax you'll owe and when tax payments must be made.
Most importantly, know that windshield wipers do expire. Windshield wiper arms average about two to three years, not accounting for more persistent or intense weather conditions, while the rubber part needs replacement about once a year. Expect only a four to six month lifespan for hotter climates.
In replacing wipers, go for rubber rather than silicone. While silicon lasts longer, it does not clean as efficiently. Unlike standard blades, many new cars opt for flat blades; these more aerodynamic and quiet blades do not use a metal frame. If your car comes with flat blades, they require flat blades for the future.