Convertible

I drive a convertible but not by choice.
If I hadn't ducked, I wouldn't be alive for people to hear my voice.
While I was driving my car, the brakes failed and I couldn't stop.
I drove under the side of a tractor-trailer and it ripped off the top.
I've continued driving even though my car has no brakes.
But I drove off the road and my damn car went in the lake.
I can't afford repairs, I'm a shoe salesman and that means I'm broke.
I don't need a bath because when I drove in the lake, I got soaked.
A tow truck got my car out of the lake but the bill is so steep.
Do you want to buy my car, I want to get rid of the junk heap.