My Final Say on Insurance in General

...ok, maybe not my final say, but...

Since Americans no longer can be turned down for insurance, even if they develop cancer or another serious illness, what about car insurance, life insurance and homeowners insurance?

It just doesn't seem fair that these "big insurance" companies could deny me my rights even under catastrophic scenarios (like if I see my house on fire, I should be able to call and get immediate coverage). It only makes sense.