Bears don't fit under cars

The past summer our area news stations were reporting bear sightings. I've lived here my whole life and have never, ever seen a bear except at the zoo. I was slightly concerned over this news. I didn't want to be on the television show 'When Animals Attack' and I plan to keep all of my limbs as long as possible. That being said when I heard a growl last night.........it freaked me out man. 
I'm lucky if I get to bed by midnight and one of the last things I do before climbing in bed is let the dog out. I am careful to check for other dogs being walked down the street, the deer and any other wildlife before I attach her to her lead and open the front door.
Here is where 'it isn't my fault' comes into play.
The husband complains that I don't leave her out long enough and when I go to bed and he stays up the dog bothers him to go back out. So last night, against my better judgement, I put her out and went to wash my face. Men, where do I start? Once they are in their recliners with the remote in their hand and their feet propped up they have a very limited reaction time. A dog barking past midnight doesn't phase them. So when the dog started barking I came down the hallway drying my face with a towel, headed for the front door and on my way said,
"See."
"Huh?"
"The dog is going to wake the neighbors."
Fifty percent of the time she goes out she gets herself wrapped around the light post or stuck on the corners of the front steps. I have to take my slippers off and put on boots to get her loose. Then she runs in and hides one of my slippers. But last night mayhem ensued.
I got to the door. Painting you a picture here. One of our cars is usually parked next to the front steps. The dog is stuck on the steps but has enough slack to get her head halfway under the car. She's barking and the hairs on her back are sticking straight up. I hissed her name to get her to shut up and she did. But then I heard a growl coming from under the car. I whimpered. The corner she was stuck on was closest to the car. Jesus, Mary and Joseph I'm going to die or at least loose a hand and get rabies. I'm holding the dog by the collar and trying to maneuver the lead off the corner that was right by the beast under the car while mumbling incoherently to the husband. Something came out like,
"There's a... it's... something is under the car... it's growling... the dog... something is growling... help... the dog is stuck... help... it's growling... under the car... help."
I was 100% sure it wasn't a bear but it was pissed. The husband and I freed the dog and brought her in, she was hopped up on the scent of the beast and ran from the front window to the front door, over and over again. She was protecting her turf. While she continued, the husband laughed at me for being such a girl. I blamed him for the dog being out that late unsupervised and for my wet slippers. I didn't have time to change into boots when I saw her head under the car.
This morning he was still making fun of me and I'm sure Brent already knows about this story but I wanted him to hear my side. And to the rest of my readers my side is enough as I am sure you all agree it's the husbands fault.