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Ex-49ers WR -- Accidentally Shoots Himself ... Charged with Crime

Here's a case of actually adding insult to injury ... because a former NFL wide receiver accidentally shot himself with a loaded gun -- and was then charged with a crime ... TMZ Sports has learned.

The man behind the trigger is 30-year-old Josh Morgan -- who spent 7 seasons in the league with the 49ers, Redskins and Bears.

TMZ Sports has learned ... cops in Virginia responded to a report of a man with a self-inflicted gunshot wound around 9 PM on January 31st.

We're told Morgan claimed he was cleaning the weapon when it accidentally went off .