If you are stopped for a traffic violation, you have indeed commited a crime. They don't have to articulate a reason that you are armed and dangerous. They could just be the nervous type or part of their SOP and pat you down. What a Terry stop isn't, is a search of your vehicle, cell phone or wallet.casp625 wrote: There has to be reasonable suspicion of a crime AND they believe you are armed and dangerous. Speeding by itself wouldn't justify a pat down but there is nothing stopping the officer from doing so. Your only recourse would be to complain later of a violation of your rights.
Of course, handing over your CHL let's the officer know your armed so a pat down would seem redundant since they could easily ask you where your firearm is located
I'm not a cop or a lawyer, but this is what they have both told me.