He says Jones insists he was t-boned by a guy who blew a stop sign because he was texting while driving.
The Cincinnati Bengals star claims he was driving in Amelia, Ohio -- near Cincinnati -- when another car "ran straight into me" ... wrecking the side of Pacman's very expensive whip.
After the wreck, Pacman unleashed an n-word and expletive-laden tirade -- saying, "This n**ga done pulled out and hit me!"
"They talk about anger management at work ... normally I'd smack the shit outta a n**ga who do the sh*t like that. Stupid motherf**ker."
Pacman entered anger management after video surfaced of the NFL star berating and wishing death on a police officer during an arrest at a Cinci hotel earlier this year.
We spoke with police about the car crash -- officials say it was a "minor accident" and Pacman did not get physical with the other driver.