If you don't have utility approval to connect, you won't get net metering benefits, although you could offset active use (and if you had battery storage, I guess you could make it work). At least my meter doesn't run backwards, it has a count for energy in and a count for energy out. If we didn't have utility approval and had significant energy out, I'm guessing there would be questions. We have a fairly generous tarrif, and our system doesn't make sense without utility approval --- we generate on one meter and use on another meter and rely on meter aggrigation for the generation and use to offset, and they will offset 1 for 1, once the account gets fully set up.
Our utility is still offering 1 for 1 net metering for new installs (accumulated credit expires at the end of March every year) and have not proposed a new rate schedule. They say that existing connected systems will be able to remain on the current schedule indefinitely. That's the best I can do for the future at this point.
If it does change for us in a negative way, I'll have to bite the bullet and buy an electric car and charge when the sun is up. :P Hopefully negative changes happen later rather than sooner.