It depends on the state. Here in Michigan We are responsible to Always have our CPL when carrying concealed:



Proper Conduct During Encounters with Police

Responsibilities of Individuals With a Concealed Pistol License:
An individual licensed to carry a concealed pistol who is stopped by a police officer (traffic stop or otherwise) while in possession of a pistol shall immediately disclose to the police officer that he or she is carrying a concealed pistol either on their person or in their motor vehicle.
Failure to disclose this information to a police officer carries the following penalties:
First offense = State Civil Infraction - $500 fine and 6-month CPL license suspension.
Second offense = State Civil Infraction - $1000 fine and CPL license revocation.
An individual licensed to carry a concealed pistol shall have the license in his or her possession at all times he or she is carrying a concealed pistol.
Failure to possess CPL license when carrying a concealed pistol is a State Civil Infraction and a $100.00 fine.
Upon request, an individual licensed to carry a concealed pistol shall show both of the following to a police officer:
His or her license to carry a concealed pistol
His or her driver license or personal identification card
Failure to show CPL license and Michigan driver license or Michigan personal identification card when carrying a concealed pistol is a State Civil Infraction and $100.00 fine.
A pistol carried in violation of numbers 1, 2, or 3 is subject to immediate seizure by a police officer.
If a pistol is seized for failure to possess a CPL while carrying a concealed pistol:
Individual has 45 days in which to display their license to carry a concealed pistol to the law enforcement agency that seized the pistol and the pistol shall be returned.
If the individual does not display their license to carry a concealed pistol within 45 days the pistol is subject to forfeiture.

It is important to know the laws in your state and also in states you may travel to.

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MCRGO member

Couldn't have said it better myself.

I've also found out that it can be beneficial to notify the officer that you have a permit but are not carrying. My son-in-law and I have both been pulled over at different times and notified the officer that we had a permit, but no gun. We were both thanked for doing so and let go without a ticket.