FILE 13 · THE MOVE / PART 2, WEEK ONE REFERENCE FILE · CHECKED JUL 2026

Emergency contacts and consulate

This is the page you set up once and then, with any luck, never open again. Most of it is ten quiet minutes of saving numbers before anything is wrong. Start with the one thing worth knowing in advance: dial 911 from a cellphone in San Francisco and you might get the California Highway Patrol, the state’s highway police, instead of the city’s own police. Fremont’s police department says it on their own site: a 911 call from a cellphone outside the immediate area lands with the highway patrol first, and the highway patrol doesn’t receive an address from cell callers. Usually the transfer takes a few seconds, but not always.

So the first number on this page is the direct line to your own city’s dispatch, the desk that answers your city’s emergency calls. Almost nobody who lives here has it saved. Pick your city and the card fills itself in.

SECTION A — YOUR CITYPICK ONE
Your pick fills the card below.

Saved in your browser. Nothing is sent anywhere.

LOCK SCREEN CARD{{ city.name }}
{{ r.label }} {{ r.num }}

Every number on the card dials on tap. Fill in the two fields, screenshot it, and set it as your lock screen. That is the whole point of this page.

CGI is the Consulate General of India, your government’s office here. It handles passports, emergency travel documents, and the paperwork nobody wants to think about. Its emergency line takes WhatsApp, which at 2am beats a phone tree.

911 works from a dead phone
It needs no SIM, no plan and no carrier. The old Indian handset in your drawer with an expired eSIM will still dial it. Keep it charged.

Your city’s numbers

The Bay is forty-odd police jurisdictions stacked on top of each other. The non-emergency line is the one you will actually use: a break-in, a stolen catalytic converter, a report you need for insurance.

CITY BY CITYNON-EMERGENCY · DIRECT DISPATCH
{{ c.name }} {{ c.non }} {{ c.direct }}
Only SF and San Jose publish a separate cellphone dispatch number. Everywhere else the second column is 911, which is exactly why the non-emergency line matters more in those cities.

Text 911 works across San Francisco, Santa Clara, San Mateo and Alameda counties. It is deliberately basic: it takes no photos or video, English only, messages under 160 characters, and it needs your location in the first message. Call if you can, text if you can’t.

311 is for problems that aren’t police matters: a street hazard, no heat in your unit, or an encampment outside your door. SF’s 311 runs 24 hours in 160-plus languages, or 415-701-2311 from outside the city. San Jose runs one too. Most other Bay cities don’t, so there you go to the department directly.

The consulate does less than it used to

Show up at 71 Stevenson St expecting a passport and you’ll be turned away. Passports, visas, OCI cards (the overseas-citizen card), renunciation and police clearance certificates all sit with VFS Global now, the private company that runs India’s application counters. And since 1 August 2025 the miscellaneous and attestation services went there too.

WHO HANDLES WHATSINCE 1 AUG 2025
THE CONSULATE KEPT
Death registration. The no-objection certificate (NOC) for sending mortal remains or ashes to India. Life certificates. Emergency travel documents.
71 Stevenson St, Suite 2200, SF 94105
Weekdays 8:45am–5:15pm, appointment only
+1-415-891-4080
VFS GLOBAL NOW HANDLES
Passports, visas, OCI, renunciation, police clearance certificates, attestation.
642 Harrison Street, Suite 200, SF 94107
Passports +1-800-320-9625
Visa and OCI +1-800-320-9693

The consulate has opened 2pm to 4pm on Saturdays, Sundays and public holidays since June 2024. It isn’t a general walk-in window. Those two hours cover three things and nothing else: an emergency visa, an Emergency Certificate for travel to India that same day, and mortal remains going out the same day. Call +1-415-483-6629 first, to confirm you qualify and find out what to bring. Otherwise you drive to SoMa on a Sunday to be told no.

There’s also an Open House on working days, 9:30 to 11:30am, for enquiries and grievances, by appointment.

IF THE CONSULATE’S NUMBER CALLS YOU
The consulate has warned that fraudsters fake its main number, 415-891-4080, to run scams. Seeing that number on your screen proves nothing. Hang up and call back yourself.
check the address twice
The consulate’s own Contact Us page still lists an old address on Arguello Boulevard while every other page on the same site says 71 Stevenson St. Nobody caught it. Check before you drive anywhere.

If you lose your passport

Step one gates everything else, so do it right.

STEP 1
Get a police report, and get the correct kind
VFS wants a report that names you, mentions the lost passport, carries the passport number, is approved rather than pending, and is less than six months old. San Francisco police let you file lost property online, but what lands in your inbox is a temporary report. It only becomes official once a reviewer approves it. If you have any timeline at all, walk into a district station instead.
STEP 2
Not flying soon? Apply for a re-issue “in lieu of lost”, through VFS
That is the official name for a lost-passport replacement. Online form first, then mail the physical file.
STEP 3
Flying to India now? Ask about an Emergency Certificate
A one-way travel document issued in a working day, same day in a genuine emergency, as long as the consulate can confirm your passport details and Indian nationality itself. If it can’t, the file goes to India and the timeline stops being predictable.

The VFS checklist is full of small rules that will bounce your file. The envelope has to have “RE-ISSUANCE IN LIEU OF LOST PASSPORT” written on the outside. One envelope holds exactly one application. Prepaid FedEx labels aren’t accepted. You need both an Indian and a US address on the form, and registering online before mailing is mandatory.

On timing, the consulate’s own position is that you shouldn’t even ask until 20 working days have gone by. That is four weeks of business days as the floor, not the answer. A lost-passport re-issue also triggers police verification back in India, and that is the step that wrecks every estimate. Plan for six to eight weeks. Give VFS your correct Indian address, with the right police station and district, because a sloppy address is the most common reason verification stalls for months.

WHO THE EMERGENCY CERTIFICATE IS FOR
It is built mainly for people without valid US status: an expired passport and no legal status, deportation orders, or a lost passport with no valid visa. On a live O-1 or H-1B you are not the standard case, and the consular officer’s decision is final either way. Call the emergency line and ask before you plan around it. An Emergency Certificate gets you to India. Coming back needs a new passport and a new visa stamp.

Your visa stamp was inside that passport, and it’s gone with it. That is a conversation with an immigration lawyer, not a webpage. Meanwhile: scan your passport, visa and I-94 (your electronic arrival record) into cloud storage, print one set, and leave it somewhere that isn’t your bag. It turns a crisis into paperwork, which is the best outcome available.

Urgent care or the ER?

The ER is the hospital emergency room. Urgent care is a walk-in clinic for things that aren’t life-threatening. Tap what’s happening below. If you’re stable and it can wait two hours, urgent care is the answer.

SECTION B — WHAT’S HAPPENINGTAP ONE
GO TO
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UNINSURED
{{ triage.uninsured }}
INSURED
{{ triage.insured }}
{{ triage.note }}
{{ triage.basedOn }}
These are rough 2026 figures put together from published cost analyses, so treat them as estimates rather than quotes. An ER visit with scans and lab work runs $4,000–8,000 uninsured. A ground ambulance is $1,000–3,000+ base plus mileage, and it arrives as a separate bill from a separate company. That surprises almost everyone the first time.

Uninsured patients get charged at list price, roughly two to two and a half times what an insurer pays for identical care. Four protections exist, and none of them are widely known.

01
AB 716, since January 2024
This is a California law about ambulance bills. A ground ambulance cannot bill an uninsured patient more than the Medi-Cal or Medicare rate (the government insurance rates), whichever is greater. Insured on a California-regulated plan, you owe only your in-network share even when the ambulance is out of network. The gap is self-funded employer plans, which are federally regulated.
02
The Hospital Fair Pricing Act
Uninsured patients at or below 400% of the federal poverty line get free or discounted care. A funded founder on a Bay salary isn’t that. But the same law has a second door labelled “high medical costs”: out-of-pocket bills at that hospital exceeding 10% of your family income.
03
The 180-day debt window
A hospital can’t report your debt to a credit agency or sue you for 180 days from the first bill. For ambulance debt it’s 150. When you’re building US credit from zero, that window is the difference between an annoying month and a two-year problem.
04
EMTALA
This is the federal emergency-treatment law. Any hospital that takes Medicare has to stabilise you in an emergency, regardless of insurance or immigration status.
THE BILL, AFTERWARDS
A hospital bill is private debt. Don’t let arithmetic keep you out of an emergency room; that is the one place on this page where doing the cautious financial thing is the wrong call. Afterwards, ask for an itemised bill and the self-pay discount before you pay anything, and never pay the first number you’re shown.

Find your nearest urgent care in Maps this week, while nothing is wrong. And get insured: the 60-day enrolment clock is in the healthcare file.

Break-ins, landlords, crashes

Locked out, no heat, a burst pipe: call your landlord or the building’s emergency line first, which is why you save that number the day you sign the lease. SF tenants can escalate housing-condition complaints to 311.

A car break-in: photograph everything before you touch anything, then file the report. San Francisco police take vehicle burglary, theft, vandalism and tampering online. Stolen vehicles, or anything with a known suspect, need a call or a station visit. Then follow the rule every long-timer repeats: leave nothing visible in a parked car. That means no bag, no jacket and no charging cable on the seat.

A crash: get to safety, call 911 if anyone is hurt, and take photos and insurance details. Don’t discuss fault at the scene with anyone.

The earthquake setup

You’ll feel one. Almost all of them are nothing. The setup takes four minutes, and you do it once.

MyShake sends a ShakeAlert warning for magnitude 4.5 and up, a few seconds ahead of the shaking. Free, on both platforms, built at UC Berkeley. Android phones already have ShakeAlert built into the operating system, under Settings, then Safety and emergency, then Earthquake alerts. Turn it on either way. When it fires: drop, cover, hold on. You don’t run outside.

Then sign up for your county’s alerts. In San Francisco, text your ZIP code to 888-777 or use alertsf.org. Alameda runs AC Alert, San Mateo has SMC Alert, Santa Clara has AlertSCC. Register more than one ZIP code: where you sleep and where you work.

What to do now

Tick these off as you go. Saved in your browser.

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Good to know

01
Calling 988 doesn’t summon the police
This is the fear that stops people on visas from calling at all. 988 is the mental-health crisis line. Under 2% of contacts escalate to emergency services, you don’t have to give any personal information, and phone support runs through interpreters in 240-plus languages. If you’d rather not speak, text 988.
02
Your online police report isn’t a police report yet
San Francisco police email you a provisional version that only becomes official once a reviewer signs off. On a lost passport, where VFS demands an approved and detailed report, that lag quietly costs you a week.
03
Your consulate follows where you live
Move from the Bay to Texas mid-application and you’re filing with the wrong consulate. VFS will send it back.
04
The weekend window is two hours, and it’s narrow
2pm to 4pm on Saturdays, Sundays and public holidays, covering an emergency visa, an Emergency Certificate for travel that same day, and mortal remains going out the same day. Nothing else.

If you take one thing from this page

All of this assumes you’ll read a webpage during an emergency. You won’t. You’ll open your phone, your hands will shake, and you’ll dial the one number you can remember.

So take the lock-screen card. It is seven numbers on one image, and it takes ten minutes on a quiet Sunday. Everything else here, the fair-pricing thresholds, the VFS envelope rules, who qualifies for an Emergency Certificate, is for the afternoon you spend cleaning up afterwards. It will still be here.

Sources · numbers checked Jul 2026

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