Nearly every morning my radio talk show mentions accidents and traffic pile ups on the I-95. Floridas highway construction projects are the cause for extremely frustrating traffic jams and traffic slows, and the results are our patience getting the better of us, and reckless driving.

Maybe you have been the victim of an accident
Most accident cases settle out of court because it is more efficient than a lengthy court case. The settlement tends to be smaller in out of court settlements, but the expense of lengthy litigation is not usually worth the lawyer fees that end up coming out of the settlement.
Now, if you decide to sell your lump sum for fixed payments
If you sell your payment you will still be responsible for a fee, but that will be made up in earned principle and interest on the money that gets returned to you. Most people chose to sell their payments because the taxes will be far less of a burden than the lump payment, and also because fixed payments tend to last much longer than the lump payment.
http://www.structuredsettlementsflorida.com/004857