The law reads:
If a license holder is carrying a handgun on or about the license holder's person when a magistrate or a peace officer demands that the license holder display identification, the license holder shall display both the license holder's driver's license or identification certificate issued by the department and the license holder's handgun license. A person who fails or refuses to display the license and identification as required by this subsection is subject to suspension of the person's license as provided by Section 411.187.
If you do not have a HANDGUN on our about your person (commonly referred to as "immediate reach" in Texas), then you can tell the cop to pound sand. You don't have to tell him if you have a permit. You don't have to tell him about any weapons that are not "on or about your person". And you can not lose your permit for not fessing up to having a permit as you are not legally required to produce that information. Lying about it is not a good idea, but something along the lines of "I am not legally required to provide that information." is a perfectly valid response.
Why make the cop's day hard? Well, why is he trying to make my day hard? If I am speeding, fine. Let's talk about speeding. Any other information is not required and not really any of the cop's business.
Volunteer it -- with your hands on the top of the wheel, in plain sight -- tell him something to the effect of:
"Hello, Officer ... before we get started ... I want to inform you that I'm licensed, trained, and LEGALLY armed ... "
Like I said -- it's paid BIG dividends for me, personally.
Yea, me too.
When I was PCS'ing to Memphis, I spent the night in Ft. Stockton. I hit the road at sun-up and just outside of Monahans (where the speed limit goes down from 80 to 75) got pulled over by a State Trooper. Left arm out the window, right hand open palm on the head liner, and pulled way over to give the guy plenty of room for traffic. My 9mm was tucked next to my thigh, and as soon as he gets to the window, I tell him "Officer, I have a handgun permit and I am carrying". He asks where it is, I tell him, and he tells me to step out so we can have our conversation outside. I do, and the first thing I notice is that he is wearing a Navy diver pin under his DPS badge. We ended up talking for about 10 minutes, and he never even mentioned the gun or asked for the permit. We talked about flying and diving and where to get decent breakfast tacos. He sent me on my way with a "watch the limit, it goes up and down a lot between here and Dallas".
Other times (like about 3 weeks ago near my house in Eads), my .380 was in my center console where he would never see it and I didn't bring it up. I was still polite and respectful and he let me go.
I don't know what I would say if I got a bunch of questions about a gun for no reason. It would probably depend on my mood and how the cop asked. Knowing your rights and the law is never a bad thing.