How will these rules be applied?

New and renewal policies as well as any modifications to the original policy e.g. endorsements, installment payments, premium audits with an effective date prior to July 21, 2011 will be subject to the laws and regulations of Michigan as of the policy effective date.

New and renewal policies with an effective date on or after July 21, 2011 and any modifications to the original policy will be subject only to Michigan laws and regulations if Michigan is the Home State of the insured.