How can I sue a home health company for more money than their insurance policy allows?

Question Details:

My mother received life changing injuries from a negligent care giver who worked for a home health care agency in Jefferson County, Alabama. The agency has an insurance policy for $1 million. However my mother's injuries were $700,000 just to Medicare and she is spending $250,000 a year trying to remain alive. Our lawyer says that the company can only pay 1 million and their insurance company only wants to settle for $600,000. The company is incorporated and has a sister company owned by the same people in a nearby town. My mother will lose her home soon, what can we do?

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